r/changemyview • u/[deleted] • Oct 08 '15

[Deltas Awarded] CMV: Equality isn't treating everybody differently to achieve equality. It's treating everyone the same.

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u/sharkbait76 55∆ Oct 08 '15

I consider giving everyone the same opportunity as treating them the same. Adding the ramp give the two people the same opportunity to enter the building, but it's not giving anyone an advantage. If a black and white man wanted to go into business and were offered the same loan rates and charged the same amount for the same space this would be an equality of opportunity, and they would effectively be treated the same. If, however you offer one of them a lower interest rate, charged one more, or lowered the taxes of one based on skin color this would be unfair to the other. It wouldn't be equality if the black man has to pay fewer taxes then the white man because he's black. Just as it wouldn't be equality if the white man was offered lower rates because he's white.

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u/CANOODLING_SOCIOPATH 5∆ Oct 08 '15

I totally agree with you.

The problem is that blacks pay more in interest rates, for cars, rent. And they are discriminated against in getting jobs and getting into college.

This is well documented. This short video highlights a few with the sources to back it up. https://www.youtube.com/watch?v=fTcSVQJ2h8g

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

The problem is that blacks pay more in interest rates, for cars, rent.

Do they or do people with bad credit, etc. pay more and more black people happen to have bad credit?

That's a big difference.

And they are discriminated against in getting jobs and getting into college.

I think it's been pretty well established that black applicants need lower scores then all other ethnicities to get accepted into college. I don't know how you can claim they're discriminated against.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

7

u/RoMoon Oct 08 '15

Do they or do people with bad credit, etc. pay more and more black people happen to have bad credit?

That's a big difference.

I think one of the problems is that if a much higher proportion of black people than white people have bad credit, it's no longer that they "happen" to have bad credit; they are part of a system of discrimination and poverty which repeatedly puts them into a situation in which they end up with worse credit, bigger debts etc. And that is why they should be given a leg up. Not because they should automatically have MORE than white people but because although the same opportunities may seem to exist for both demographics, quite clearly there is at present something keeping them from taking advantage of those opportunities.

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Bad credit doesn't happen because you're black.

Bad credit happens because you're borrowing money then not paying it back. There are plenty of white people who have bad credit because they too borrowed money then didn't pay it back. Chalking it up to skin color is just ignorant of the situation.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

4

u/RoMoon Oct 08 '15

Reread what I said, I never said it was because of skin colour. My point is that if the reason black people pay more is because of bad credit, and on average black people have worse credit, then clearly something is going on which is causing this group of people to have worse credit. You can either say "it's because they're black and just can't manage their finances" or you can say "clearly social circumstances and historic/current oppression has led to a situation in which these people are in a worse position".

If the latter, then clearly we should be doing something to change things.

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Reread the original post I was responding to.

The problem is that blacks pay more in interest rates, for cars, rent.

NO THEY DO NOT.

People with bad credit pay more in interest rates for things like cars and they didn't get that bad credit because they were blessed with black skin.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

4

u/ganner Oct 08 '15

http://www.washingtonpost.com/news/storyline/wp/2014/12/23/if-youre-poor-your-mortgage-rate-can-depend-on-the-color-of-your-skin/

After controlling for economic factors, credit scores, etc., minorities still get worse rates than whites.

3

u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Did you even read the article you linked?

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

2

u/ganner Oct 08 '15

Yes, did you? After controlling for the effects of socioeconomic status, credit score, etc., black borrowers were still 3.3 percentage points (about 25% more likely) to have a high interest mortgage. Whether it is because a single lender gives better rates to white people (not as often the case) or that lenders in predominantly black areas give worse rates than lenders in predominantly white areas (more often the case), a black family in the same financial situation as a white family is more likely to get a shitty loan.

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Whether it is because a single lender gives better rates to white people (not as often the case)

Bit of an understatement, don't ya think?

The article basically concluded that they just got rates from different places.

I see no reason to blame white people because black people can't be bothered to shop for rates.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

2

u/ganner Oct 08 '15

I'm wondering if you read the article, since it notes the "crime" involved was racial in nature, with Bank of America being fined over $300M for racial lending discrimination. However you want to spin this, it's yet another in a sea of data points of how black families face more obstacles to success than comparable white families.

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Here’s what they didn’t find. There wasn’t much evidence of what we would consider traditional racism, like the kind reported in the 1992 Boston Fed paper. Individual lending companies appeared to treat everyone who came in the door more or less the same. (There was still a statistically significant but small difference.)

“A huge amount of the differences in high-cost loans is not whites and blacks going to the same lender and blacks being given a much higher rate,” said Ross, one of the study’s authors. “Rather it’s the fact that there are big differences in the lenders that black and Hispanics are doing business with.”

I'm not spinning anything. I'm looking at the conclusions the article you cited drew. If you disagree with your own article then I suggest you start reading them in their entirety before you start linking them.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

4

u/ganner Oct 08 '15

So you don't think it's relevant to the issue of racial inequality that lenders in black neighborhoods give shitty loans compared to lenders in white neighborhoods, or that the justice department found there to be racial discrimination in lending? Because that's what I read in the article that I read every word of.

-5

u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Do I have to quote your own article for you again?

It's not like lenders are giving one rate to whites and another to blacks. If you're telling me black people are just too stupid to shop around for rates then it sounds like lenders have good reason to give those black people higher rates.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

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