We're talking about systems, algorithms, black box models that we don't understand or have the ability to reason about, that are being used to make decisions for us.
Those systems are already proven to have embedded biases.
But now instead of a human we can question, we only have inscrutable machines that no one, not even the people who built them, understand.
If condominiums in Florida were making the decision about who could get a mortgage and live in them, then your analogy would make sense.
But they don't.
There are, on the other hand, computer systems that absolutely do, and it's very possible (I would predict probable) that they will end up effectively re-creating redlining.
Furthermore, going back to your broken analogy, unlike the case with building codes and engineering professional organizations, there are no laws or regulations that could be used to hold accountable those who build or use those systems.
We're talking about systems, algorithms, black box models that we don't understand or have the ability to reason about, that are being used to make decisions for us.
Those systems are already proven to have embedded biases.
But now instead of a human we can question, we only have inscrutable machines that no one, not even the people who built them, understand.
If condominiums in Florida were making the decision about who could get a mortgage and live in them, then your analogy would make sense.
But they don't.
There are, on the other hand, computer systems that absolutely do, and it's very possible (I would predict probable) that they will end up effectively re-creating redlining.
Furthermore, going back to your broken analogy, unlike the case with building codes and engineering professional organizations, there are no laws or regulations that could be used to hold accountable those who build or use those systems.