That's beautiful, Im fairly sure those very same people you know would never stand opposed to black people moving in their neighborhood either....which means absolutely nothing when the bank decides to redline, which they will do unopposed because as long as they don't outwardly espouse the sentiment, you and others like yourself will insist you don't know a single person that views black men that way and continue to bank with them.
I too, don't buy the narrative that most individuals have such an inherently bad narrative for black men/people, but I easily see the reality of letting such individuality allow systems and constructs to perpetuate the narrative covertly and infrastructurually