So, "credit realism", to match "IQ realism"? I see this a lot, and the background assumption seems to be "in the real world, minority group A is actually riski

So, "credit realism", to match "IQ realism"? I see this a lot, and the background assumption seems to be "in the real world, minority group A is actually riskier, dumber, or objectively worse in some other way, so in order to comply with anti-discrimination, we have to introduce special cases." Maybe instead we should start with the assumption that women are NOT riskier, dumber, or objectively worse, and fix the likely bug, instead?