I’m not outright disagreeing, but it seems your last statement contradicts the rest of the payday example. “If instead we start to examine causality we can start to figure out the root of the issue and how to address.”

The causality piece is exactly the issue, right? People who use payday loans have less savings, more likely to work in jobs where their hours are unstable, have other poor financial indicators (past use of a payday loan, for example). Black people may disproportionately fall into this category, but I would argue it is wrong to effectively punish all black people (or conversely give other ethnicities an easier time) simply because of their race.

Biases exist, no argument there. The dilemma is what we do with them.