[hnlurker]

The dishonesty is presenting this as a racist thing. The dishonesty is also in the implication that insurance companies are racist rather than simply responding to the market. The article is trying to drum up outrage at well established insurance companies in order to direct money to their business.

Institutional racism. Systemic racism. Oh bother.. You seem pretty confident about it without presenting any evidence. You haven't even identified which institution. I hate racism, it's useless and frankly stupid. Just because groups have different outcomes doesn't make it racist. You probably think that Google is systemically sexist because it is largely male in STEM departments. Google might be, but simply having male dominated departments does NOT warrant that conclusion.

NOTE: I used scare quotes around "black neighborhoods" because they are just American neighborhoods. Contrary to popular opinion/belief, we aren't (still or yet) living in a country where your skin color allows or prevents you from living in any particular neighborhood. Those that claim otherwise, or even suggest it through veiled implication, ought to present some actual evidence or STFU.

[anamexis]

If you don't believe institutional racism exists, or even Black neighborhoods, I'm not going to try to convince you. Sorry.