The lenders for white neighborhoods formed explicit covenants to keep blacks out. White people chose to live in those neighborhoods and voted for lawmakers who supported redlining and other segregationist measures. They didn’t speak up for their black neighbors with less opportunity. For decades they have been silent and complicit as they live in their white neighborhoods and build generational wealth that has been denied to blacks. They may not have explicitly shunned blacks from their neighborhoods, but they certainly turned a blind eye.