Ouch! I simply wanted to point out that the insurance companies are problematic too. I actually believe in systemic racism. I also don't believe my Black friends are racist, nor my Hispanic neighbors.

There are black racists, starting with black Republicans like Clarence Thomas and Kanye West. There are far more Hispanic racists. Most racism isn't systemic. It's overwhelmingly personal and willful.

I'll grant you that, and I had the same thought about Hispanics after I posted my reply. That said, my Black friends aren't Clarence Thomas or Kanye West or anywhere close.

Insurance companies must obey the will of the people. Unfortunately in the USA, racist voters want to be ripped off by insurance companies to enrich billionaires & segregate the economy. This is democracy in action, at least to the degree that they suppress the black vote.