I didn't say that it is okay to discriminate by race for anything, I'm against that. What I'm saying is that people should be treated fairly instead of using s

I didn't say that it is okay to discriminate by race for anything, I'm against that. What I'm saying is that people should be treated fairly instead of using some kind of affirmative action. If you did a proper verification of income, assets, liabilities and education, you'd likely find that some groups would have to receive worse credit conditions than others. This doesn't mean that the system is or would be racist, it would strictly evaluate on socio-economic background, not based on race. What I reject is to handicap one group to make up for the losses that another group generates for a bank by artificially lowering standards for certain groups. Although this is made with best intentions, it is inherently racist (it presumes that some races are inferior to others - hence the introduction of lower standards), whereas evaluating the way I described would not be racist. Btw: I'm myself a second-generation minority. If I'd have had the option to navigate through life with some social security autopilot and affirmative action provided by society I would have never made it to the upper strata of society. You have to understand that expectations for life from where I and many others started were much lower than for most others, so people from this level are much more willing to accept a lower living standard provided for free than working hard for the chance to a higher standard. From the perspective of upper middle class people these kinds of affirmative action and social benefits might seem like genuinely helping people whereas from my perspective it seems like poison that could have had inhibited my will to work on myself and fight to move upwards in society.