Race and 'dysfunctional income disparity"

The issues of poverty and 'dysfunctional income disparities' (I prefer this term  for a variety of reasons including that not all disparities are dysfunctional, and I do not advocate eliminating income inequality) and race are interwoven in this country.  See this article. For some the issue ties in neatly with their white supremacy ideology.
  The poor of all races and ethnicities suffer because unlike their more affluent counterparts they have no significant financial reserves to cover often unanticipated problems like loss of job, car wreck, costly illness,  etc.  This can lead  usurious loans, loss of a job because of a lack of transportation, etc. and criminal activity in some cases. I'm  not saying poverty causes crime, crime is caused by a multitude of interacting facts.  If poverty caused crime, arguably there would be no honest poor and the wealthy would all be moral examples.  At another level, it is dysfunctional in that we rely on people viewing the system and government as legitimate and fair.  Stable government relies heavily on such legitimacy.  When people think the system is deliberately stacked against them, it loses legitimacy.  Even the middle class is starting to feel the pinch of rapid escalation of rent and costs of homes in many areas.  In New York City, I suspect most of the impoverished are homeless or live in public housing. Other poor people have managed somehow to get out.