The problem with the last one is that we did not spend enough on funding consultants to oversee government support for minority businesses. Detroit is a prime example. The city only spent four times as much on consultants (ie., Democrat party apparatchiks) as it did on the prospective businesses themselves. The should have spent 10 times as much and maybe 10% of the businesses would have survived... though not thru the COVID shutdown.
Link: https://www.freep.com/story/news/local/michigan/detroit/2021/01/05/detroit-motor-city-match-program-closings-watchdog/4126844001/