It's shocking how often we hear that silliness when arguing for the other side.
For example, Gavin Newsome's brilliant logic when defending check-cashing businesses that take advantage of poor people: "Half of African Americans in the state of California and roughly half of Latino families have no access to a checking account or an ATM."
He says it as if there is some sort of natural law that prevents them from walking into a bank... I don't know.
A white person can open a checking account, but a black person can't.... I don't know.
Yes, it sounds stupid but there it is.