I am on the side of hope. People who want kids can do so with love and those that cannot should just not bother. But all should respect the right to live freely without discrimination and without harm to others. Let those who choose poorly go their way. Let those who try either rise or fall trying. Let everyone find a place on the ladder of life.

I don't think people should face more interest on a loan unless they are a high risk and US law prohibits discrimination based on race.
What more can I do but say truthfully that blacks do get loans. Of those rejected I suspect many are unreliable and that yes there is likely some prejudice. I would like that to be stopped. Thus I cede a point as I am not particularly racist.

History is history. 150 years ago my great, great, great gran was probably spinning cotton 14 hours a day at 13 years of age and had 6 kids by the age of 26 and died of consumption at 42. I am not impacted by her trauma. Neither by my grandfather in WW2. I am affected only by my own experiences and whether one grows or not is a personal choice to make, but I do not believe we are condemned in the here and now because of the terrible oppression faced by my great, great, great gran who like all the working poor probably had a very bad diet and a low life expectancy. Going not all that far back in history we were all serfs and you just got on with it. We are privileged today and do not have those same problems. Anyone blaming their own failings on historic child labour is making excuses for their own inadequacies.