Individual policy reforms cannot dismantle a saturated racial wealth system.

Evidence

But as we’ve seen with the declining mortgage interest deduction, a single policy change isn’t enough to shift the fortunes of black families. Luck and strategy paved the way for black homeownership in generations past, and unfortunately, they’re still a requirement for the type of black homeownership that leads to wealth building. To dismantle the system means fully acknowledging the racist past that shaped today’s real estate market—but it also requires each of us, black and white, to confront the market’s racist present. — Dorothy A. Brown, Getting to Reparations, 1305