I appreciate your take on it, but around 1982, my son was one of about three children in his class that was White. The room was run by the illegal immigrant children, and they ganged up on my kid during recess breaks too.
This was not a problem of easy credit. It was a problem of easy criminality at the local level.
I think this group would fall into the cateory that I would cut off and depart, somewhere between category 1 - the felons and category 2- the welfare queens.