Funny, you're the second person to make this mistake. The leftover 20% is being shared by ALL other minorities (white people make up around 60% of the population). There are more ethnic groups than black and white you know?

I agree, representation like black-owned restaurants is stupid. This wasn't my argument, it was from the video I linked to. My article is actually refuting this kind of thinking if you'd taken the time to read it properly.

If you think a 2x difference between ehthinic groups is explainable purely by "credit-worthiness" I'm not sure what to tell you.

There are obviously causes other than racism for all disparities. Nowhere do I argue otherwise. That doesn't mean that racism isn't a factor in those disparities.

This last paragraph is the most bizarre of all. Nowhere am I suggesting that black people can't make it without help. There are countless examples of black people doing so (including the Tulsa race massacre I mentioned in the article). But black people have undeniably been disdvantaged for many decades. We're barely even one generation removed from the end of segregation and Jim Crow. To act as if changing the law immediately puts everybody on equal footing going forward and that nothing more needs to be done is so very, deeply stupid.

Without even clicking on those links I'd bet they're links to Thomas Sowell as he's the only black perosn who holds conservative views that most people who make your style of argument can name (Candaace Owens is usually too embarrasing to link to). How cute that you assume I don't already know who he is. Thomas Sowell is a great thinker, and I agree with him on a great many things. Judging by the strength of your "refutations" here, I'm quite confident that I'm more familiar with his work than you are.