reparations obama story trouble occur america african american president time refer preventable catastrophe wipe black home equity begin  federal government finally stop collude racial redlining black family get reasonable shot accumulate wealth dream homeownership asset old age pass child disgusting slander right low income people especially african americans claim subprime collapse result government pressure lender loan unqualified borrower vast majority subprime loan write mortgage company cover federal law subprime scheme originate wall street profit deceive borrower