That explains how it is disproportionate but not how the mechanism treats them unequally. Redlining for instance made minorities far less likely to obtain loans

That explains how it is disproportionate but not how the mechanism treats them unequally. Redlining for instance made minorities far less likely to obtain loans and thus kept otherwise qualified people from building equity. Also distribution as unequal could be taken like taxes and a negative allocated to the unfortunate instead of the results forming the distribution.