> "I'm not going to think about consequences when I optimize this solution for myself."

This. There's the clearly overt racism people love to upload/watch on youtube, but I like this sentence how it captures the 'institutional' racism. (I have a hard time conveying this in conversation with friends.) And over time this has created a very deep divide, along race. I'm reminded of an Alan Greenspan quote (that a can't find current, so I'm going to butcher it in paraphrase): beware the possibility that segments of the population will become "reluctant to participate" if the hill is too steep or if they perceive the system is against them, because the system will then be worthless because people will exit. I think he said this around the 2008 collapse.