Yes, but you’re ignoring all context that makes it to where white people tend to have a higher socioeconomic status.

Black people historically were denied home loans because of the color of their skin and because they would drive property values down because white people didn’t wanna live beside them.

I’m speaking about the time of the white flight to the suburbs and red lining urban areas with Black people in them. Homeownership is the largest key to generational wealth. A family home can be passed down, and rent is honestly the largest expense most people have. Among Jim crow and being denied college admissions and plenty of other predatory practices, Black people were denied the opportunity to build said wealth Due to the struggles of their parents grandparents and great grandparents we live in a capitalist society where money begets more money and having a family with generational wealth certainly helps as far as what tax bracket you’re born in.