[IncRnd]

> the ECOA still allows discrimination if the person can't afford the home, incentivizing the system to make housing as expensive as possible

I'm not sure I understand what you mean. Are you saying that you will sell your house to someone who can't afford it, possibly for a much reduced price?

[Lammy]

Obviously not. That's why it's such an insidious and esoteric way of pulling up the ladder behind the chosen groups.

[IncRnd]

What is your point then? What you are trying to say? Your words give the impression that you believe when a person cannot afford a house, that is discrimination.

[Lammy]

I don't get what's so difficult to understand here. It used to be straight-up illegal for certain people to live certain places. The system shifted to covert discrimination once that overt discrimination was outlawed. Housing became an investment so the people with equity would never want to dismantle the system, and all the accessible jobs went away. Now the people who used to be overtly discriminated against have no ladder to climb.

[IncRnd]

Since each of the people who responded to you, responded similarly, then perhaps the obstacle was your original wording and not with the people who replied.

What you wrote in this post is entirely different from what you wrote in your prior post.