obvious racial discrimination

Why is it that some people simply refuse to see the obvious racial discrimination that lies in front of them plain as day? Since I don't have time to write a book here, I'll discuss just one of the racial aspects to the mortgage mess.As a group, African Americans simply do not have the accumulated family capital available to white people. There are historical reasons for this: the economic and social policies that favored white people. There are many books on this subject such as The Wages of Whiteness, When Affirmative Action was White, The Hidden Cost of Being African American and lots more.Not having this accumulated family capital to the same degree as whites, African Americans are forced into unfair lending situations to a much greater degree than whites.For example, my dad was able to take advantage of the GI Bill and the inexpensive veterans' loans available after WWII. African Americans were still barred from many universities and faced widespread housing discrimination in the cheap working class suburbs that sprang up in the post WWII era. My spouse's parents had the same advantages.By the time I was a teenager, we had moved out of a low income inner city neighborhood, to a segregated working class neighborhood, to a segregated white collar professional neighborhood. Home prices soared and the educational advantages that both our parents had enabled them to move into the professional middle class much more easily. Their kids than were given educational and social advantages based on this rise in family income.My spouse and I were able to use this family advantage to obtain a cheap parental loan to buy a house while both sets of our parents were still living. Our kids have gotten social and educational advantages from this. My spouse and I are perfect examples of how affirmative action for white people works in this country. There are millions more like us.Of course lots of white people get positively irrational when you point this out to them. It's wrong, but understandable. The myth of the individual "self-made man" is very strong among white people. Pop that myth and the whole white privilege thing is exposed to public view. White privilege is demeaning to white people. We're not dumb and helpless and we don't need it to live.Maybe it's time for America to grow up and leave its Tooth Fairy and Easter Bunny racial myths behind. We'd all be the better for it.