I think you have to look at the effect at the end of the day. Did redlining happen to specifically punish and oppress minorities, or to let white homeowners feel "safe from criminals"?

"Lock all the criminals up" when the subtext/unspoken relation for "criminals" is "black people/minorities" is a way to oppress minorities. Its also a failure to think of or implement a different path to work against poverty or criminality - something politicians love to do as a crackdown is easier for them to implement than actually improving people's lives.