I concluded my post on haters with a reference to “affirmative action lending”. When you throw around a term like that, some people tend to misunderstand it. To be perfectly clear: if members of a certain group, but not members of a comparison group, were refused a mortgage no matter what, it would be a case of discrimination. On the other hand, if a bank has certain standards for loans, which take your monthly salary into account, the discrimination charge does not necessarily apply just because a certain group doesn’t do well economically.
Let’s say you have a group called X, who tend to do very poorly in life. A very large part of them makes considerably less than average, and quite a few live off welfare, while hustling on the side to make a few extra bucks. However, a small subgroup of X does very well. They may earn advanced degrees in real subjects, get good jobs, and do a lot better than the average Joe. If said bank would deny mortgage applications to all members of X, including the economically successful ones, this might be a case of discrimination. To be sure, we would need to look at how the bank acts when approached by members of other groups. Without wanting to be exhaustive, let’s look at a few examples: If there are more losers in group X than in group Y, but all losers are sent away, it is not discrimination just because there are more losers in X than Y. If all winners in group X and Y get their mortgage application approved, it is likewise not discrimination, just because there are more winners in Y than X.
The same principle applies elsewhere, too. However, leftist idiots are quick to scream “discrimination!” whenever there is an alleged group-preference. They seem to be unable to accept that people are inherently different. For instance, they don’t like the IQ concept either. In fact, for them standardized tests are discriminatory because their outcomes reveal differences of intellectual ability both between groups and among members of any given group. This is obviously not politically correct, so those tests are labelled “biased” or “racist”. If intellectual ability was randomly distributed among people, regardless of race, then each group would have the same percentage of morons and geniuses, and everything in between. Yet, as this is not what we see, the obvious conclusion is to reject the leftist hypothesis.