You haven't lived near blacks, so let me educate you a bit on their spending habits. They don't think about the future, only the perpetual now. They will always buy, or rent, stuff that they can't afford. You could be driving down the most ghetto black neighborhood, and you'll still see hundred thousand dollar plus SUVs, without fail. There are very few exceptions to this. Most of them are welfare recipients, too, and think money falls from the sky like mana, that they're owed that money. Ever seen videos of people who use food stamps being confronted by what they're buying? It's always soda, candy, junk food, or steaks and lobster, and whenever these thieves are confronted, they get incredibly hostile, and never apologize.