Critical thinking skills and ability to do ones own research are essential life skills. But here ya go champ...

https://www.brookings.edu/articles/an-analysis-of-financial-institutions-in-black-majority-communities-black-borrowers-and-depositors-face-considerable-challenges-in-accessing-banking-services/

https://www.bostonglobe.com/2022/04/24/opinion/giving-credit-where-its-due/

https://medium.com/commonfuture/why-credit-scores-are-racist-da109fcfb300

https://www.cnbc.com/2022/10/11/how-structural-racism-plays-a-role-in-lowering-credit-scores.html

Easiest way to solve for this is to change pick direction. So when you reach the last string, skip that down stroke and do it (then the next string) as an up stroke. Of course you could also do what you're doing in the pic but it takes more precision and movement. Inside picking is the worst - https://youtu.be/RRufj_z9Hos