Are these ghettos as in "People of the same culture, living together like they did in their native land" or also as in "People of other cultures fear for their

Are these ghettos as in "People of the same culture, living together like they did in their native land" or also as in "People of other cultures fear for their safety and are made to feel unwelcome here"? I am concerned about people sticking only to their kind (insularity), but not so concerned about people preferring to stick with the familiar, which is human nature. It's a spectrum, but they are on different ends of it. I am personally familiar with folks from Edison, and at least in my experience, they are not insular although it could be selection bias. Standard reasons for a newly minted NYU or Columbia grad (or a fresh H1B) from India to live in Edison is easy access to Indian food, cheap rent and staying near friends. It is not staying away from "corrupt Americans". Indeed, most of them would prefer to live in Manhattan if they could afford it, and when they can many do. I live in Atlanta, where people are very family oriented but I can count on one hand the number of times I have faced racism in the 7 years I have lived here. I suspect the number would be similar or more in any other country. I'd be ok with these people coming to my country.