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  Poverty is an issue to be sure, but the root causes tend to be far different from racial inequalities.
  A prime example I use to illustrate is the GI Bill post World War 2. While written in a seemingly race-neutral language, the execution was handed to state governments for fund distribution, with laws that stymied loan offers despite federal backing e.g. many banks just wouldn't make loans for Black Americans at a state level. This resulted in only a few thousand of the 1.2 million Black Americans who served gaining any benefit from the GI bill, and this had generational effects; one estimate puts that descendants of WWII Black Veterans would need $180,000 a piece to have the same benefit level that white vet descendants received over the subsequent eight decades.
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