Some of the states with the higher black populations have the highest delinquency rates, as well as some of the lowest. The % of black population of Florida is more than double that of Kentucky, for example, as well as states like Wyoming, & South Dakota. West Virginia has one of the lowest minority populations of any state.
Did you bother to look any of that up before making that statement? What was your purpose in making said statement?
Probably a knee-jerk “dem folks”
b) it correlates with my experience as an occasional landlord running credit checks. Very nice black people with good jobs but lunatic credit histories. A woman paying 19% interest on a car loan, a young couple where the guy had a good union job but their credit history showed getting one credit card, maxing it out, then getting another and doing the same and so on.
In general, a lack of impulse control manifested in many other ways disproportionately in the black community. Are there whites who do the same? Of course, just like there are white criminals. But not so many proportionately.
As an Alabamian, it isn’t just being black that makes the South so poor, it is that the South has rural blacks. Other places black populations are predominately urban.
Florida is a very populated state with a lot of industry. While there are certainly rural places, none are far away from places to work.
Now imagine a Mississippi county with 50,000 people, 85 % black and no industry except farms, a few gas stations and convenience stores. Farming is now mechanized so no jobs there.
We had a plantation in Macon County, Alabama that had 12,000 slaves at the end of the Civil war. It has less than 20,000 people as of 2024. It is 80% black. Share cropping employed almost all of the freed slaves until WWII, when mechanized cotton harvesters started to appear. Share cropping was finished by the late 60s. Unless you moved away to where the jobs are, you are on government assistance doing nothing.