I have heard the 'red-lining' problem, at is is a problem in wealth accumulation but it still doesn't explain high crime rates at all. Problem is that you have

I have heard the 'red-lining' problem, at is is a problem in wealth accumulation but it still doesn't explain high crime rates at all. Problem is that you have lots of poor immigrants that immigrated here from former communist countries, or latin america, or Laos/Cambodia, with no money and no savings whatsover. Some came as starving refugees, and are still poorer than the average. Yet, they don't end up doing crime at the same rate as some other poor people. Being poor seems like a copout and doesn't address the issue.