We have seen that in the half century since the civil rights movement and Dr. King’s dream, one problem (racism) has been replaced or at least matched by another—class and poverty. This is a problem that cuts across the color line and that affects urban and rural communities alike.
We’ve also seen what these 500 credit score communities look like in urban areas. Call it Misery Row: those predatory check cashers next to rent-to-own stores next to payday lenders next to liquor stores. One group takes advantage of a person’s financial problems and misfortune while another group benefits by helping them to forget they actually have any financial problems.
But there is something we can do to change the landscape ...