I don't know, Dude. For an "economist" you sure do miss out factoring in the key ingredient that makes the world go around: Money.
You are at leisure to do as you please, but in case you use quotation marks out of hesitation you should know that I actually am an economist.
Now, as for the specifics of your comment, I am perfectly aware that people are not all equally at ease financially. What I am pointing out in virtually every discussion involving claims of discrimination is not that discrimination is never a factor, that people are never victims of sexism, racism, homophobia and other prejudicial attitudes. Most people proceed under the
presumptions that
(1) the prevalence of racism in western civilization is considerable
(2) that people actually take actions consonant with those racist attitudes
(3) that the effects at the scale of a society must be large.
and it is with those ideas that I take issues. In particular, your point about money makes (2) very unlikely in a market economy even if (1) were true, which I doubt it is. In an openly racist regime under Apartheid in South Africa, some occupations were set aside only for white people. A government crackdown in the 1960s or 1970s revealed many such occupations were dominated by majorities of black employees. The color of your skin has absolutely nothing to do with your ability to take care of a set of tasks, but your ability to take care of a set of tasks has everything to do with the bottom line of the business. Passing over good employees because of the color of their skin is bound to cost you something. Either you will hire someone less competent, or you will have to pay higher wages to attract a sufficiently large pool of applicants to cherry-pick the "right kind of people."
In the segregated South, laws were passed to enforce segregated seatings in public transportation at a time were many such services were operated by private businesses. Needless to say, officials later had to impose large fines and faced numerable challenges in courts by those businesses. Again, the majority of those people were white employers, living in a political climate where it would be curious if their views were so different from the parties voted into office by their constituencies. However, it is easy to see how segregated seatings is a very stupid way to manage transportation costs. In some cases, you have to refuse people because their reserved section is full, even if the section of the other group of people is completely empty. It might upset the client with no guarantee other companies will not risk a fine. Money from clients is money from clients, regardless of the color of their skin. I mentioned it earlier.
Racists may hate someone, but they like themselves more than they hate anyone. The only consistent pattern in the above stories is that people do not act like racists when it is sufficiently costly to be a racist. On the other hand, government officials facing very different incentives from private businesses were perfectly free to enact racist laws that were sustained for decades. In fact, even if some of those politicians were not racists, you can make a case it was impossible to do anything about it. In front of a racist electorate, the idea that people should be treated the same regardless of the color of their skin is political suicide.
The key questions for sustained discrimination, in my opinion, is always who decides and who suffers the consequences of those decisions. Everywhere racism or sexism is visibly costly to people making choices, it is unlikely that it will survive.
Another relevant point concerns the cost of acquiring information. Information costs imply I will tend to use suboptimal rules of thumb to solve complicated statistical problems because improving my guess costs too much beyond some point. It is an unfortunate fact that proportionally more criminals are found among black people than white people. It is also an unfortunate fact that black people in the US tend to live in more criminally intensive neighborhoods. Short of being able to tell exactly who is trustworthy and where it is safe enough to set up shop, it's fairly possible everyone will stop short of looking at every detail and will resort to simplifications.
On the surface, it will look like racism, but in reality, it will merely be a way to economize on the costs of information and analysis. You can tell this happens as opposed to real racism because real racism is impervious to facts. When this story is true, things as simple as a black person wearing a tie or allowing companies to run background checks can change everything. Some of the most virulent opposition to government housing projects in the US were black middle and upper-income families
making this exact same case that having "those people" come into their neighborhood might make them tacitly guilty by association.