American democracy wasn't functioning well for many Americans before this election. Sure, it's working well as it was designed by our all-white, all-male founding fathers — to protect white political power — but it's still failing Black and brown people.
Besides, focusing narrowly on individual instances of discrimination often leaves in place workplace policies and the power structures that perpetuate systemic discrimination against Black and brown communities in particular.
Private credit reporting companies should be replaced by a publicly run credit registry that operates in the public interest and that automatically corrects for events like natural disasters and global health crises.
COVID-19 has exposed longstanding racial and economic inequalities in American life, which is evident in the fact that communities of color are being hit the hardest by both the medical and the economic impacts of the virus.