Isn't what you're describing racial segregation and the creation of ghettos? Historically, a major component of this was explicitly racist housing law, e.g. FH

Isn't what you're describing racial segregation and the creation of ghettos? Historically, a major component of this was explicitly racist housing law, e.g. FHA 1934-1968. But regardless of the implementation, the practical outcome seems to be worse hospitals, education, and political power for the poorer group of "like minded people".