valaramech

Put simply, yes. Without explicit help to those that have less now, future generations simply lack the means to access those opportunities.

Take, for example, the situation ultimately presented in the article: if the person/people that are doling out the money have even a small amount of bias against a class of people, the result is that - outside of forcing investors to make what they see as bad investments - they will categorically invest less in that class of people. It doesn’t actually matter what class it is.

These laws might prevent us from codifying our biases into contract or other law, but they do absolutely nothing to solve the problem the bias itself causes.

There isn’t a native mobile app, but this website is what’s known as a “progressive web application”. This means that you can just add it directly to your home screen and it will act app-like. See this thread for exact iOS instructions. Android is similar but does depend on which browser you’re using.