It seems to me red-lining is just another piece in the political game. It's all about money. Keep the people of color in certains areas of town, where low income is prevalent, creating lower taxes; giving no chance of receiving loans for a start-up business in that area of town; therefore, lower budgets for schools; less opportunity for good educational programs; less opportunity for decent paying jobs. All this can lead to higher crime, just to make ends meet to support a family. that's not to say that all people of color or anyone living in poverty choose a life of crime as a way to make ends meet. Unfortunately, some people believe they have no other choice.