The racial disparity situation in America (and all over the world) is complex enough a topic that it cannot be boiled down to such a simple explanation. I encourage you to research the various systemic challenges people of color have faced since they were forcibly relocated here such as redlining[0], loan discrimination[1] and examples of literal war crimes committed against black communities that have been swept under the rug for reasons[2].

[0] - https://www.marc.org/news/economy/history-racial-discriminat...

[1] - https://www.investopedia.com/the-history-of-lending-discrimi...

[2] - https://www.theguardian.com/us-news/2020/may/10/move-1985-bo...