The argument goes as such: up-front tolls change behavior to the degree of deterring people from even trying otherwise beneficial arrangements, as people are not perfectly rational. Look at the impact of NYC’s new congestion pricing. Compare your impression of Walmart shoppers to Costco shoppers. If they don’t match there are disproportionate effects at play.
It’s possible that some mildly exclusionary policies can be worthwhile and create more societal good than bad, even if they have some incidentally disproportionate demographic impact. Perhaps endless yak shaving fixated on residual disproportionality should not have been entertained by the DEI field in the first place, and was part of what undermined its reputation.