Sure, but there's still a question on how to fix that. Should we prevent these companies from applying more targeted models, and hence impose a tax on the random subset of consumers who happen to use the same services? Or should we take tax money, which is taken from everyone in a democratically decided way, to help people of color get loans?

Or to put it more specifically, why should a middle-class white family have to pay higher rates on their loan to help some family of color get a loan, while the rich white family that buys the house outright doesn't?

Shouldn't we help people of color using a system that distributes the costs in a widespread and progressive way?