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I would think a vast majority of these people didn't own their own homes. Many lived in government subsidized housing or just rented their homes. So I would think that most of them didn't have insurance. They don't even get the choice to rebuild or not. They are at the mercy of whomever actually owned their homes.
So, they really are left with nothing. That must be the most desperate feeling in the world. I can only imagine and I'm sure my imagination can't do justice to how horrifying life is for those people right now. I was once on welfare, living in government subsidized housing, but it was never taken away from me. I have never been forced to stay in a filthy, hot building and not allowed to leave, with no food, water, or even a toothbrush.
But the answer is, it has more to do with class. That being said, the "poor" class is made up of a greater percentage of minorities. Had this happened to me when I was still terribly poor and living on welfare, they would have forgotten me, too. But, since I'm white, I would not have been shown on TV. By showing just blacks, it stirs up Americans' racism and makes the victims seem less sympathetic. If they had showed a majority of the victims as I was in that situation (a white woman with three pretty, blonde, white daughters), there is NO WAY this country would have allowed us to sit there dying. There's a lot of people like that in MS and AL.
I notice that they don't show anyone from MS or AL. And everyone in America follows the lead of the media and says, "It's just in NO". It's not though. The thing is that there is a larger mixture of poor whites and blacks in MS and AL, so if they show them on TV, they WILL look more sympathetic. Can anyone in this country honestly convince themselves that they would not have "looted" in this situation? Because everyone I've talked to has pretty much said "Hell, yeah, I'd have taken food and water".
I know without a doubt that, were I in these people's situation, I would definitely have broken into whatever store I could find to save the lives of my family, even now, when I'm not as poor anymore and own my own house.
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