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53 pages 1 hour read

The Sum of Us

Nonfiction | Book | Adult | Published in 2021

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Chapters 4-6Chapter Summaries & Analyses

Chapter 4 Summary: “Ignoring the Canary”

McGhee opens Chapter 27 with a description of Janice and Isaiah Tomlin, a Black couple who became the first people in their families to own a home after they bought a two-bedroom house in Wilmington, North Carolina, in the 1970s. Twenty years later, they were approached by a company presenting itself as a mortgage broker, asking if the Tomlins wanted to refinance their home. Because the couple were looking for a way to pay for their children’s school tuition, they accepted—and became one of the Black households disproportionately targeted by lenders looking to sell subprime loans, which have higher interest rates and fees, and are meant for buyers with a less-than-prime credit scores. Many borrowers targeted for subprime mortgages, however, had good credit scores and could have qualified for lower-interest loans. Instead, they struggled to keep up with mortgage payments, or had their homes foreclosed when they were no longer able to pay. The Tomlins, along with more than 1,000 other homeowners, were able to keep their home through a class-action lawsuit against the lender, but they were the exception. As McGhee notes, subprime mortgages would eventually precipitate the 2008 financial crisis: “The earliest predatory mortgage lending victims, disproportionately Black, were the canaries in the coal mine, but their warning went unheeded” (74).

These practices began in the 1930s, when Black neighborhoods were excluded from federal programs designed to make homeownership accessible to white families (these neighborhoods were shaded in red on maps, hence the term redlining). This led to the wealth gap that still exists between Black and white families today; thanks in part to programs that facilitated homeownership, the average white family has roughly $171,000 in wealth, versus $17,600 for Black families. This left Black families vulnerable to predatory lending practices, such as housing contracts that could cost the borrower their home if they missed even one payment. Then, in the 1990s, the financial sector successfully weakened government regulation on borrowing, creating a sector that focused on corporate profits over the best interests of borrowers, with loans that aggressively targeted African Americans. From 2004 to 2008, Black customers took out subprime loans at twice the rate of whites. In return for signing borrowers up for higher-interest loans than their credit scores warranted, bank employees were richly compensated. But McGhee looks to racism, not greed, for an explanation: “Lenders, brokers, and investors targeted people of color because they thought they could get away with it. Because of racism, they could” (86).

The government’s indifference to the brewing subprime loan crisis can also be attributed to racism. Most people who worked in regulation agencies were white and could therefore choose to ignore the problem; when they couldn’t, officials blamed the borrowers for taking out “irresponsible” mortgages (even though most subprime loans were refinances rather than home purchases). This framing was so effective that it prevented the Obama administration from taking more decisive measures in the recovery from the 2008 financial crisis, which was caused by predatory lending practices first tested on Black homeowners: mortgage securitization and option adjustable-rate mortgages (option ARMs). While the US economy has recovered from the Great Recession, many individuals and families have not. McGhee writes that she was also forever changed by the experience of trying to prevent the crisis from happening. The fact that so many suffered, that even powerful institutions were felled by the crisis, “is a reminder that a society can be run as a zero-sum game for only so long” (98).

Chapter 5 Summary: “No One Fights Alone”

McGhee describes how autoworkers at a Nissan plant voted against unionizing in 2017, despite the benefits that unionization would bring. Unionization had transformed factory work in the United States from a dangerous, low-paid occupation to secure, relatively safe employment that helped many access to the middle class. As McGhee describes—using an example from her own life about an uncle who was in a union in Chicago and had bonds with white men as a result—unions also transcended racial boundaries.

Despite the obvious benefits of unions, union membership in America has declined since the mid-20th century, especially since the 1970s, when employers began punishing workers for unionizing despite laws against doing so. Employers began “accepting fines and fees as a tolerable cost of doing business” (114). This trajectory was accelerated by globalization and automation, which weakened workers’ bargaining position, but McGhee regards racism as the main culprit. Just as more Black workers joined unions, unions declined in popularity among white Americans. Over time, opponents of organized labor cast unions as the refuge for “lazy Black people,” fueling white resentment and opposition to unions. McGhee notes that it likely isn’t a coincidence that these stereotypes are most pervasive in the South, where union membership is lowest and where the economy was built on slave labor.

From here, McGhee writes that another motivation for white workers who oppose unions is the status that comes with whiteness, which is threatened by collective bargaining and increased rights for Black workers. McGhee traces this zero-sum calculus back to the 19th century, when Irish immigrants, who began their lives in America working menial jobs alongside Black workers, came to aggressively enforce racial hierarchy as a way of aligning themselves with powerful whites. In doing so, they protected their perceived interests, including access to work: “becoming ‘white’ afforded them a civic and social esteem that could be constantly compared against the Black second-class citizens one rung below them” (124). In other words, by keeping Black workers consistently at the bottom of the hierarchy, white Americans could feel superior—even if their wages remained low.

Despite the challenges these divisions have posed to organized labor in the United States, there have been surprising victories, including the fight that began with a 2012 protest by fast-food workers in New York and led to a nationwide campaign for a $15 minimum wage. The campaign included Black activist Terrence Wise, a Burger King worker from Kansas City who received a raise after participating in a walkout, and Bridget Hughes, a white fast-food employee who joined the multiracial coalition after realizing that racism and the divisions it creates only serve the interests of employers. While the Fight for $15 coalition was successful because of its multiracial composition, it was white workers who benefited most, since the majority of workers earning less than $15 an hour are white. McGhee notes that, unlike the union drive at the Nissan plant, the Fight for $15 campaign succeeded because it explicitly cited the benefits of solidarity and acknowledged the harm that racism inflicts on all people.

Chapter 6 Summary: “Never a Real Democracy”

McGhee opens Chapter 6 by noting that American democracy, which is founded on the right to vote, has only ever been partial, with power concentrated in the hands of a white elite. This dates back to the United States’ founding, when the writers of the Constitution restricted voting to property-owning white men and maintained a system of slavery.

In the following century, poor white farmers and Black citizens made attempts build alliances that furthered policies promoting the public good. Elites resisted these alliances by tempting white citizens with privileges that were denied to their Black counterparts. When these division tactics were successful, elites set about denying franchise to Black and white voters alike through tactics like a poll tax and the requirement of registration before voting. Another tactic was the denial of franchise to those with felony convictions, with “felony” defined in such a way to disproportionately target Black people: “the disenfranchisement laws, combined with discriminatory policing and sentencing, hit their target and today ensnare one in thirteen African American voters” (145). Both then and now, many of those impacted by such policies are white.

America’s confusing and discriminatory voting practices mean government officials are elected by a relatively small proportion of the population when compared with other democracies. Within the United States, the whitest states have the easiest voting systems; the states where voting is hardest, like Mississippi, have the highest percentage of Black citizens. New barriers continue to be erected; following the election of Barack Obama, many states have made it harder for people to vote in ways that specifically target Black voters. Tactics include requiring voters to have photo ID (which people of color disproportionately do not have), requiring names to match across all government documents, and requiring voters to respond to an official postcard requiring verification of address (young people, renters, and people of color are less likely to respond to official mail) or else have their names struck from voter lists. Yet such “purges” affected white people as well, such as Larry Harmon, a white veteran who was eliminated from the voter rolls.

Many of the restrictions on voters’ rights have been crafted and promoted by a network of lawmakers and advocacy groups funded by billionaires like the Koch Brothers, whose influence was exposed by historian Nancy MacLean. In a storehouse of papers belonging to conservative economist James Buchanan, MacLean found evidence of a network of right-wing libertarians “opposed to the very idea of democracy,” instead favoring a model of extreme wealth inequality and no corporate regulation or taxation (154). To pursue this vision, the network has targeted voting rights, operating under the ideology that a functional democracy will undermine their consolidation of corporate power. Racism is a useful tool in pursuing this end; for instance, racist tropes painting Black and brown people as perpetrators of voter fraud made legislation that restricts voting rights, which might otherwise be unpopular, more palatable.

Underlying these tropes is a zero-sum assumption about voting, McGhee writes: As one group gains more status, another loses it. But the story of the 1965 Voting Rights Act shows that this is not the case. The Voting Rights Act allowed a million Black voters in the South to register in the years after its introduction, but poor white voters benefitted too. This led to more responsive governments and better investment in initiatives—such as infrastructure funding for hospitals and schools—that benefited the whole of society, not just the ruling elite.

But even as the Voting Rights Act extended franchise to Black voters, the increasing influence of campaign donors eroded the voting process. Since the 1970s, politicians’ policy agendas have been increasingly set by their donors—who are disproportionately ultrawealthy—and not by the needs of their constituents. Most Americans see this as a problem, McGhee writes, and some states have sought to enact change, including Connecticut, which created a Citizens’ Election Program in 2004. The program offered candidates who raised enough grassroots donations from constituents access to public grants to help pay for their campaigns. Consequently, candidates spent more time listening to the needs of citizens, and the legislature became more diverse and more dedicated to passing public-interest legislation. McGhee ends the chapter on a hopeful note, writing that despite significant challenges, American democracy has been broadened over the course of the country’s history, and it can be broadened further still by those willing to fight for it.

Chapters 4-6 Analysis

In Chapters 4-6 McGhee looks to many of the high-profile conflicts that characterize political and social life in America—from the 2008 financial crisis to the decline of unions to the widespread attack on voting rights—and traces the roots of these problems back to racism. In doing so, she draws on research, her own experience working at Demos, and personal anecdotes to show how, even though practices like predatory lending and restrictive voter ID laws disproportionately affect Black citizens, white people are not immune to the consequences and are often, numerically, those most affected. McGhee also develops several of the book’s themes, including the harm of blind spots and the myths associated with US history, to explain how racism inflicts harm on all parts of society.

McGhee explores the harm caused by blind spots in Chapter 4. She elucidates how regulators’ and politicians’ indifference and willful ignorance about the impact subprime mortgages were having on Black homeowners created a missed opportunity to prevent the 2008 financial crisis. Following an aggressive push by the financial services industry in the 1990s to deregulate the sector, lenders began targeting Black homeowners for predatory and risky loans, with high interest rates and hidden costs. These conditions made these loans, called subprime loans, more likely to end in default. Nonetheless, racist assumptions about Black people obscured the lending institution’s responsibility:

this is where age-old stereotypes equating Black people with risk—an association explicitly drawn in red ink around America’s Black neighborhoods for most of the twentieth century—obscured the plain and simple truth: what was risky wasn’t the borrow; it was the loan (85).

Regulators were also blind to the risks of subprime loans due to the segregation in US society that separates white people from people of color; and because no one in their community was affected—combined with stereotypes about Black borrowers—regulators could choose to ignore the growing crisis in subprime loans until it was too late. Following the financial crisis, homeownership declined and foreclosures increased, and while Black people suffered disproportionately, white people owned most of the foreclosed homes. One of these people was Amy Rogers, a government employee in Charlotte, North Carolina, who lost her job after the financial crisis, even as the property tax on her home increased; ultimately, the bank foreclosed on her home despite her best efforts. That this could happen so easily to Rogers stems from the practice of extensively deploying and refining such policies on homeowners of color. In this way, McGhee shows how racism—which casts racialized people as deserving of their own bad circumstances, and which segregates white people so they’re incapable of appreciating their own blind spots—has consequences for everyone.

In Chapter 5 McGhee tracks the decline of organized labor by examining a Mississippi Nissan plant, where several practices were used to divide the workforce and prevent unionizing. One such practice was stratifying workers, so that some received better pay and benefits than others, despite doing the same job, and so that better paid and less demanding jobs were assigned to white employees. As McGhee notes, these kinds of practices have a long history: “In the two-hundred year history of American industrial work, there’s been no greater tool against collective bargaining than employers’ ability to divide workers by gender, race, or origin, stoking suspicion and competition across groups” (108-09). The winner in the resulting fight over resources is not workers but employers, who thereby escape the pressure of collective bargaining.

In the late 19th century, a broad union called the Knights of Labor resisted these divisions and brought together Black and white workers, both women and men. This unity collapsed with the rise of Jim Crow in the 1890s, but it reattained in the 1930s, when increasing demand for factory labor brought more Black and women workers into unions, leading to benefits for all, including 40-hour workweeks, overtime pay, and workers’ compensation. The fact that white people have nonetheless increasingly turned against unions can be explained through the lens of racism, which explains how tactics that divided workers by offering white employees increased social status prevented workers from organizing, even though doing so would improve everyone’s material standing. To explain this, McGhee examines the history of immigration in the United States and the process whereby immigrants, such as the Irish, were allied with Black workers until they were offered the chance to increase their status—and attain “whiteness”—by subjugating Black people. However, this came at the cost of “acquiescence to an economic caste system” (123).

In explaining this process, McGhee is exploring one of the book’s themes: the myths that characterize America’s understanding of its own history. Specifically, she challenges the narrative that immigrants once faced discrimination similar to that experienced by Black Americans yet overcame it through hard work—since European immigrants’ route up the career hierarchy came by virtue of their ability to assume whiteness, which is not available to Black people. McGhee also interrogates the idea that America is a meritocracy, since reduced social mobility—which was once facilitated by unions but has declined as unions have waned in influence, thanks partly to the use of racist tropes—ensures that those who already have wealth and power are more able to keep it, whereas those at the bottom of the social hierarchy (namely, people of color) face fewer paths to economic stability.

McGhee also challenges the notion that the United States was ever a full democracy. She looks back to the Constitution, which restricted voting to white, property-owning males. This inequity continued through the creation of the Electoral College, which gave slaveholding Southern states a disproportionate influence over the election of the president—an influence that continues today. Even as the property-owning requirement for voting was removed in the 19th century, states made it harder for Black citizens to vote. The underlying message, McGhee writes, was that it was no longer necessary to have resources to have status—one merely had to be white. While franchise was expanded in coming decades—aided by legislation in the 20th century—voting has always been precarious for Black citizens and is increasingly under attack in the 21st century, partly due to the influence of wealthy donors who seek to undermine the United States’ representative democracy.

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