Apologies for the gross long URL, and as always correlation is not causation, but correlations are still worth thinking about: https://books.google.com/ngrams/graph?content=redlining%2Cen...
Combined with a rising 'consulting class' if you will where it is only to their benefit to drag out these studies and billable hours.
[1]https://www.reuters.com/article/us-usa-lng-jordancove/u-s-fe...