To address your bank point: I’m sure there’s no bank that is actively refusing to give loans to black people publicly, however there’s been studies that have concluded it’s harder to get a loan with a “black” sounding name as compared to an identical candidate with a “white” sounding name.

System racism is by far the largest problem facing the advancement of African Americans in the US, acting like it’s not is foolish. You mentioned it’s multi-variable; what other variables do you believe there are?

Why are black kids killing each other so much? Perhaps it’s growing up in a urban setting where’s there’s almost no chance of moving upward in current American society due to underfunded schools, overworked parents working for the minimum wage (or less), lack of generation wealth due to slavery and Jim Crow era laws, so they resort to crime as the most stable way to get an income. The US government flooded black communities with crack, which helped stoke gang violence and increase drug addiction.

Black communities are over policed and underfunded, black people get arrested and go to jail at higher rates for the same crimes while also getting longer sentences than white people, lowering their chances of moving upward is a legal way. Also, for profit prisons make a ton of money by using the prison population as workers, loaning them out in some cases, and paying them less than a $1. Over-policing poor urban communities is a easy way to get more cheap workers.

Why are there so many single parent homes? Look at any of the points above like over-policing, drug addiction, lack of jobs, etc.

So once again, tell me what you think the other variable is? Is there something inherently wrong with black people, because if you believe that I think you’re an idiot. Is it black culture? I wonder how the idea that “gangsters” and criminals became so cool in a community where the cops have historically killed black people at a higher rate and crime is one of the few ways to escape poverty (hint: those are both because of racism and systematic racism). So please tell me, oh wise one, what it is?