Characteristics and Financial Circumstances - FY 2008 actually it is more than 6 times but that is nitpicking. why are blacks so vulnerable to being incapable of taking care of themselves? the numbers for using govt handout programs are even more skewed. why do so many blacks settle for a marginal parasitic lifestyle? why do so many blacks fail to acquire lifeskills necessary for middleclass living? is it capability, substandard values and culture or is it just racism and lack of opportunity? has affirmative action run into the brick wall of human capital? is it possible to drag more blacks into the middleclass by handing out more govt and AA jobs to underqualified minorities or have we reached the point of diminished returns?