DEI: What Does America Owe? A Nation That Knows—and Refuses

Title: What Does America Owe? A Nation That Knows—and Refuses

By Eric Lawrence Frazier, MBA

“What, to the American slave, is your Fourth of July? I answer: a day that reveals to him more than all other days in the year the gross injustice and cruelty to which he is the constant victim. To him, your celebration is a sham… your shouts of liberty and equality, hollow mockery…”
— Frederick Douglass, July 5, 1852

If Douglass stood before Congress today, would he not say the same? Would he not ask why America celebrates progress while refusing to repay its deepest debts?
Would he not ask: Why is the only group never repaired the one group who built the country with forced labor, endured state terror and continues to live under laws never meant to protect them?
That question, which he posed 172 years ago, still haunts this nation. It wasn’t answered in 1852. It wasn’t answered in 1965. And it still hasn’t responded to today.
Why?
Why has every other group harmed by government action or sanctioned injustice received repair, redress, or compensation—except African Americans?
Why has America, a nation that prides itself on justice, continued to exclude the one group whose labor built it willfully?
Why?
I. Introduction: Every Group Repaired but Us
This is Blog 3 in a continuing series on race, justice, and the unfinished work of America. In Blog 1, we explored the question, Should race matter in hiring? The straightforward answer—no—ignores the historical record. Our answer—yes—was rooted in restorative justice. Race was the basis of exclusion, and therefore, it must be part of the remedy.
In Blog 2, we responded to those who misunderstood or rejected that idea, clarifying that justice—not vengeance—is the goal. We outlined a list of other communities that the U.S. has paid, compensated, or protected. And we closed with one question: Why not us?
Now, in Blog 3, we walk through that “why”—by documenting how this country has known the right thing to do and refused to do it. This is not about emotion. This is the record.
II. Promised Then Betrayed
  • Galveston, Texas (1865): Two years after the Emancipation Proclamation, white enslavers still kept Black people in bondage. It took federal troops and a final executive order to free them. From the beginning, even freedom required military force.
  • 40 Acres and a Mule: In 1865, General Sherman issued Field Order No. 15 to give land to freedmen. President Andrew Johnson rescinded it and gave the land back to Confederate slaveowners. The first attempt at reparations was revoked.
  • 13th Amendment (1865): Legalized slavery “as punishment for a crime.” This clause became the foundation for the criminalization and mass incarceration of Black Americans
III. Legal Exclusions by Design
  • Social Security Act (1935): Excluded domestic and agricultural workers—65% of Black workers at the time. Result: 8 out of 10 Black workers had no retirement or disability protection.
  • The New Deal: Labor unions excluded Black workers. FHA and HOLC redlined Black neighborhoods. Minimum wage laws didn’t cover Black-dominated sectors like farming and domestic work.
  • GI Bill (1944): Blocked Black veterans from accessing education and home loans—especially in Southern states. VA loans were disproportionately denied to Black applicants.
IV. Economic Apartheid
  • Redlining: HOLC maps and FHA policies explicitly excluded Black communities. Suburbs like Levittown were contractually whites-only. Federal manuals warned against “Negro infiltration.”
  • Denied Bank Loans: Between 1934 and 1968, less than 2% of $120 billion in FHA loans went to Black families. White wealth exploded. Black families were locked out.
V. Violence as Public Policy
  • Lynchings (1880s–1960s): Over 4,000 lynchings, many photographed and celebrated by white mobs. No federal anti-lynching law was passed until 2022.
  • Race Massacres:
    • Tulsa (1921): Black Wall Street destroyed. Up to 300 dead. No one charged.
    • Rosewood (1923), Wilmington (1898), Elaine (1919), East St. Louis (1917), Chicago (1919): Entire communities destroyed. White mobs acted with impunity
VI. Modern Policing and State-Sanctioned Harm
  • Police Brutality: From Rodney King to George Floyd, video evidence shows unarmed Black people killed—shot in the back, choked, beaten. Qualified immunity protects the officers.
  • Mass Incarceration: The U.S. has 5% of the world’s population but 25% of its prisoners. Black men make up 13% of the U.S. population—but over 35% of its prison population. The school-to-prison pipeline is real and deliberate.
VII. Federal Resistance to Justice
  • Civil Rights Movement Suppressed: Federal troops were needed to escort children into school. The FBI’s Counterintelligence Program (COINTELPRO) illegally surveilled, infiltrated, and sabotaged civil rights groups and leaders like Martin Luther King Jr. and Malcolm X.
  • Revoked Remedies:
    • Shelby v. Holder (2013): Gutted the Voting Rights Act by removing preclearance requirements for states with histories of voter suppression.
    • Executive Order 14151 (2025): Issued by President Trump, the EO ended all federal DEI programs. While it does not mention Special Purpose Credit Programs (SPCPs) by name, its broad language raises doubts about their continued legality and use.
VIII. Generational Consequences of Exclusion
These are not just stories of the past. The consequences are visible today:
  • White households have 10 times the wealth of Black households.
  • Entire generations were denied home equity.
  • Life insurance claims after race massacres were never paid.
  • Jobs were withheld. Degrees were unfunded. Land was stolen.
IX. The Children Are Watching
 I have five grandchildren.   How do I explain to them that the law sees them—but won’t protect them? How do I explain that Japanese Americans, Holocaust survivors, 9/11 victims, and Native American tribes have all been paid—yet the people who built this country for free have received nothing?  What am I supposed to tell them?

X. The Question Still Stands
America knows what it owes.
It has paid before.
It knows how to do this.
But because the victims are Black—it won’t.
That is the truth.
That is the record.
That is the complaint.

And it still demands an answer:
Why not us?
Eric Lawrence Frazier, MBA
Your trusted advisor in business and wealth
NMLS #451807 | CA DRE #01143484
Schedule a consultation: https://calendly.com/ericfrazier/real-estate-mortgage-consultation-clients

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