This seems like a Utopian dream rather than a realistic plan. I view many of these as effects vs. cause whereas you view them the opposite. Culturally, there is such a distrust between police and inner city POC that trying to over-police, particularly with cities facing massive budget shortfalls in 2020 and 2021, is not a sound decision. I'd offer the reverse - set up some Hamsterdams and let the community police itself, to the extent it has any desire to do so. Perhaps that empowerment will actually cause people to take action against bad actors.
It is unrealistic to expect financial institutions or any other privately held entity to throw money at the problem, as they are responsible to shareholders and are not designed to subsidize or endure losses for the benefit of public good.
Credit scores are only a problem because they are a relatively good indicator of repayment risk. If there are better metrics, those would be used more frequently. There are all of these alternative lenders that promise to provide better access to capital, and in some cases they do. But, there is a cost for that. You can't expect to borrow a 30 year mortgage at 3% if you don't have a good track record of income generation.
Agree on some of the drug elements, but does how does increased access to illicit substances help the substance abuse issue we face in this country?
FWIW, I'm working with Centene on a deal right now and its quite interesting. I'm surprised how aggressive they have been to try and transact, remind me of Optum several years back. They're quickly diversifying out of the insurance business and into the provider and technology side of healthcare.