... In cities like Boston, New York and Chicago, high-quality retailers often avoid majority-black neighborhoods. In segregated cities like Detroit, some residents say that trying to find something as basic as a Gap can feel impossible. Without mainstream stores, many customers in urban black neighborhoods are left to shop at low-quality and exploitative outlets that fleece their patrons during the holidays. I saw this for myself when I walked into a holiday sale at Rent-A-Center in Flatbush, Brooklyn. Oversize flat-screen TVs lined the walls and overstuffed couches filled the floors. The large “No Credit Needed” sign on the window made...