You're explaining why it came about, not why it's not an evil. As for redlining--while it certainly existed in the past I noticed something when there was a fl

You're explaining why it came about, not why it's not an evil. As for redlining--while it certainly existed in the past I noticed something when there was a flap about it a while back. There was a very detailed article in the local newspaper about local "redlining". However, it didn't make sense--why would bankers only discriminate against black neighborhoods with low-down mortgages? If black is relevant why not all mortgages? How about a simpler explanation that fits the facts? Something stood out to me about their map--the map of the "redlined" zip codes exactly matched an earlier article about appreciation. Suppose the bankers are looking at the chance a house ends up underwater a few years down the road? That gives no inconvenient inconsistencies in their behavior. Yes, it hurt the neighborhood but there's no racism involved, just simple economics.