Because decades of discriminatory lending practices and policy mean that there's a strong racial component to where people live. There's a trite statement about how desegregation never happened in the North, because black people end up basically stuck in poorer areas of town anyways.

The thing about systemic racism is that even if every participant is legitimately trying to give everyone a fair chance, the existing systems (artifacts of redlining, for example) are still biased in a certain direction, and will end up giving discriminatory results.

"Black people with upper-middle-class incomes do not generally live in upper-middle-class neighborhoods. Sharkey’s research shows that black families making $100,000 typically live in the kinds of neighborhoods inhabited by white families making $30,000."[0]

[0]: https://www.theatlantic.com/business/archive/2014/05/the-rac...

This looks like a legitimate complaint, but the way you worded it leads one to believe it is some innate quality of being white that makes people do selfish things, rather than circumstance; in this case, preventing poor people from finding favorable housing.

That's a good point. While there are a lot of cases of people in city council meetings saying overtly racist things as justification for these policies (mostly making equivalent poor, POC, and criminals). But I imagine a lot of people are basically just looking out for their own well being.At most being selfish, not discriminatory

There is still the issue that many POC don't even get this opportunity to be selfish, but that discussion doesn't lead to much