It is important not to prejudge people because of their skin colour. If you don't understand that, I can only feel sorry for you.
It is more important to understand that poverty is one of the main factors leading to crime. The unequal treatment, e.g. also in everyday matters such as the credit application, leads to a situation where inequalities such as those that have emerged due to the history of slavery in the USA are still persisting. The problem is not black people, but people without a fair chance (no matter what skin color).