Take your excellent analysis a couple steps further:
* Businesses will leave the areas where loss rates are too high
* When most retail businesses have left, the poor won’t have anyplace to shop
* The feds will declare another “food and sundry desert”
* Feds will accuse companies of redlining and will prosecute many of them
* Execs will be jailed
* Government subsidies will flow to make sure the inhabitants have continued access to the necessary beverages and smokes
That's already happened in many of the nastier parts of the inner city. Food costs are high because only small shops can operate there, and with high security. The result, that ghetto residents have to travel to find a supermarket, and that their shopping choices are reduced, has been noticed and decried as racism.
The problem the rest of society faces now is that these roving gangs of feral youth no longer just crap where they eat. They do it everywhere.