The city of Baltimore partly captures how higher-rate loans to blacks have affected foreclosure rates, with several Wells Fargo loan officers testifying that they targeted “mud people” for “ghetto loans,” resulting in 71% of foreclosures in that city being made on black homes in recent years. And so, even when income and credit score are controlled for, across the nation blacks are more than three-times more likely than whites to have their home foreclosed and be thrown out into the streets.

America may have nominally advanced from “separate but equal,” however the reality of racial disparity still haunts the bottomlines of black mortgages and checkbooks, holding them back from fully embracing the dream we’re all supposed to share.

This racial stratification has created neighborhoods ripe for infection by radical Islamists hoping to begin the accidental guerrilla syndrome. Black neighborhoods have more crime, more poverty, and less governance than wealthy white ones – the ideal conditions for an outside terrorist infection to set in. And the process is made even easier when you consider the effect the prison system has on black communities, isolating young men away from their friends and families and everything they’ve ever known for years at a time, the ideal circumstances for softening someone up for radicalization.

Once radicalized, they’re released back to their old neighborhoods to begin spreading the contagion that had been injected into them in prison while they were held prone by hopelessness, isolation, and fear.

If the Accidental Guerrilla theory of terrorism is correct, America shouldn’t be worried about the detonation of a nuclear device in one of our ports, about the release of a biological plague, or any outside element directly attacking our country. The risk of retribution is simply too great, as Tom Clancy so bluntly illustrated in Executive Orders – if any attack can be traced back to your soil, America will not hesitate to blithely erase you from the map.

As the events of 9/11, 3/11, and 7/7 have made abundantly clear, adherents of radical Islam who seek to attack the West won’t do it through any weapon of mass destruction. Homemade bombs with cell phone triggers have already proven highly effective, and are easily produced.

And as events in Iraq, Afghanistan, and elsewhere have borne out – the most effective way for radical Islamists to attack a society isn’t by using overpowering technological capabilities or advanced biological weaponry to inflict massive civilian casualties. Instead, it’s by co-opting weak and vulnerable elements of the society who don’t feel like they have protection from a strong central government, and by exploiting pre-existing social tensions and fissures.

To create accidental guerrillas from a desperate and angry minority community that feels abandoned by their neighbors and their nation.

As revolution burns in Iran, what emerges will either be a strong and progressive state intent on embracing choice and human freedom, or a totalitarian theocracy hardened by the violent removal of any element of dissent. Iran is just warming up, the Islamic Revolution took the better part of two years, this progressive one will at least take several more months.

It might seem like what’s going on over there won’t touch your life here.

But if Iran were to look for a weak point in America’s armor, it would be where accidental guerrillas have emerged in other societies – among our disaffected minority populations, who have been subject to an incredibly disproportionate amount of time in prison, as well as several generations of stifling economic realities.

If African-Americans who have been converted to radical Islam while in prison do successfully pull off an attack that claims innocent lives (as already happened in Arkansas and was attempted in New York), and the police cracks down on their communities in turn – it’s not hard to imagine the urban black communities protesting and rioting against what they’ve in the past seen as an unwarranted and unjust crackdown.

Our urban police forces don’t exactly have a calm or productive relationship with our urban minority communities, accidental guerrillas will be far from endangered if the cycle of Political Terror begins in America.

America isn’t supposed to be about advancing the strongest members of our society while isolating weaker ones, but about providing a fair chance to everyone. So long as we continue to look the other way, and pretend nothing is wrong as economic and judicial realities tie the hands of so many of our neighbors, we remain exposed to the threat of outside forces inciting accidental guerrillas.

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