Neoliberalism as a 'fix' to the civil rights movement. You can't legally pay black people less for the same work now so you have to find other ways to uphold the racial caste system. Following the exclusion of poc from the Gi Bill white people were more likely to own houses. So they developed a system where wages stagnated but (a continually shrinking group of) white people didn't see their lifestyle deteriorate because they could refinance their homes.