[rocqua]

The latter isn't a stated policy, but the result of many interacting policies, incentives, and institutions. Hence it is hard to fix, hard to recognize as existing, and hard to prove to others as being a problem.

In other words, you can't get people to care, and even if you could, they would have no idea what to demand.

Whilst the former problem is (according to other comments) largely affecting African Americans. There is huge momentum behind preventing institutions from consistently disadvantaging African Americans.

(Note I have no clue whether African Americans more commonly bounce checks and get debanked for it)