An 80y exception in a 250y timeline?

Pre (like 20+yr) WW2 the scope of the activities that the government laid claim to was infinity smaller so the blast radius was likewise infinitely more limited.

This is how you wound up with historically ethnic banks, universities, etc, etc. Black guy, pole, whatever, can't get a loan (well they can, at a "fuck you" price) from the wasp bank so they go to the lending group they know through their church or whatever. After a few years of that the guys who are doing that lending say fuggit, quit their day jobs and start a bank. Wash rinse repeat to varying extents for just about every sector business.

They'd never allow that today. The incumbents would get the enforcers to kill that before it becomes a legitimate standalone business. And the enforcers have a lot more ammo today because of past 70yr of (mostly civil) law and jurisprudence.

But any modern equivalent isn't done along racial/ethnic lines and so the useful idiots will think it's all fine and dandy and defend it out of one side of their mouth while complaining about a lack of opportunity out of the other.