Through these policies, poor and black neighborhoods were denied loans, as well as the right to move to neighborhoods where loans would be made available. Most Americans assume the free market decides the fate of neighborhoods, and is why some struggle and others thrive, but that’s often not true. Rey Ramsey, former chair of Habitat for Humanity, explains that despite the history, “people are lulled to sleep thinking that certain things happened by default, rather than by design.”⁸
