In 1938, the Homeowner’s Loan Corporation created so called “residential security maps” to guide entities toward practicing “responsible lending.” Neighborhoods deemed “hazardous” for lending were outlined in red—a process we know today as redlining. These maps were used as the basis to systematically deny mortgages and services to residents of redlined neighborhoods, regardless of individual creditworthiness. Predominately Black, urban neighborhoods were redlined. Just so you know this was a thing, a real thing. Even though most of the laws have been repealed, the practice is still in place in many places. You wonder why there are impoverished (what you call the ghetto) areas? They were planned and it snowballed from there.