I'm arguing that it may not actually affect everyone. In america, the biggest wealth-building tools from the federal government were barred to black people in the previous generation. Banks are still getting hit with racial discrimination in mortgage lending in current year. I don't think we should address inequality by generation if only a minority of that generation got to reap the rewards. It's not like a Latina grandma alive before women were allowed to open bank accounts had a ton of options to her.