Yes, they are, but the ones who do have money get to "participate" in activities such as moving to more exclusive/expensive towns. Rich Black and Hispanic people have better opportunities than poor White people. It's just obviously the averages don't match up by race regarding who is and isn't wealthy. But for those who are wealthy, they all have similar opportunities with what to do with that money, regardless of other factors (race, gender, religion, nationality, etc).
I think Asians in particular should be emulated as they needed to achieve their success in a way that doesn't relate to common 2022 tropes like white privilege. We can't say that they came to the US and just had everything handed to them. Most of them come here poor, many don't know English, and throughout history they have faced large amounts of discrimination. Yet their next generations end up seeing more success than essentially any other race. Jewish people (of which I am one) followed a similar route, although of course most of us are also white, but talk about a group of people who is often hated everywhere they go! It seems like the largest measurable component to monetary success lies in having 2-parent households, especially ones that stress education. My High School girlfriend who was Asian grew up in a very small cramped household, was expected to (and did) hit the books hard, and now owns a house worth over $2 million in a really nice town. Most of her family in general seemed to go from 1st generation lower middle class to 2nd generation "rich."
The thing is, anybody can stress these attributes (2 parent involvement with a focus on education) and those that do tend to be more prosperous on average. At the end of the day we are all individuals who need to make our own decisions, but the keys to success for certain groups can typically be applied by any person in any other group at an individual level. Another measurable piece is just reading more books. Anybody can and nothing holds people back from accessing (essentially infinite) books, but it's an individual's decision to do so. Certain cultures (Asians/Jews in particular) have stressed this in larger numbers than other cultures, and obviously the cultural pressures help shape us as we are growing up. But whether or not your identified culture embraces these keys to success or not, they tend to work and you as an individual have the ability to get where you want to go, if you make the conscious decision to put in that focused level of effort.
Personally, I would like to see all groups of Americans/humans prosper, and the gaps between certain groups to get smaller. However, I want those gaps to shrink because those less prosperous are improving their lots in life, and not just by pulling the more prosperous people down to a lower level. I think everybody has the innate capabilities and have seen individual proof across all races, religions, and everything else. I had a black roommate who has 2 degrees from 2 Ivy League schools and is now a doctor, and she earned it every step of the way. I'm glad nobody convinced her that she had to be a victim when she was instead able to achieve so much more than that. But she had to work her ass off to get where she is. The income/wealth gaps aren't going to shrink by themselves, but I hope that when they do it is because we are all more successful as a whole, rather than just being equally miserable.
There's ... an awful lot to unpack here, and most if not all unrelated to the zoning debate. This is most certainly not exclusive to Boston either. Briefly, however:
Model minority theory, or more properly, myth. Previously applied to Jews, and now Asians, its rather harmful in that it historically has been used to suggest that contrast through stereotype - a model to which African Americans and Hispanics are compared unfavorably to, what has been referred to as a "racial wedge." It minimizes the role racism plays in the persistent struggles of other racial/ethnic minority groups — especially black Americans, and forgets about historic barriers. There is a selection bias to these claims, as while there is certainly a perception that Asians do better economically, through education and hard work, family values, - certainly, the statistics give truth to this idea - But that erases much of the nuance. Many of the successful Asians you'll find in Lexington and Concord will be from high-middle income Asian countries -Think China, Japan, Korea, Taiwan - especially highly targeted recruitment from those places of their best and brightest. It is much less likely to be true of Laotian or Cambodian immigrants. Asian immigrants in the modern era by and large have never had to deal with red lining, GI bill exclusions, and the knock on effects of segregation and enslavement - that's largely not part of the Asian American story. it is for African Americans. Further, the research suggests that newer African immigrants actively do not identify as "Blacks" in America, especially if they are educated and from a middle income African country - Nigeria, Kenya, etc, instead preferring to "wear" their national identity, in order to separate themselves from the constructs and legacy of African American history. Its also politically convenient for the US political establishment. Asians represent such a small voting bloc that they aren't a threat to the political order, and the post WW2 racial corrections to both Jews and Asians post Holocaust and Japanese Internment Camps are striking in their similarity.
Social Reproduction is also a thing to be aware of. The very act of having resources provides the access to even more resources to get ahead. The opposite is also true; a lack of resources creates a lack of future capital; social, economic, cultural, human. To quote Marx, "capital therefore announces from its first appearance a new epoch in the process of social production." Ceteris paribus, all else being equal, someone whose family is neighbors in Weston with the Dean of HMS is more likely to get into a top med school, than any kid from the projects, who may not have anyone who went to college in their social circle; the school in Weston will likely be significantly better funded, and the family stable and economically secure, able to support a college education. That may not be the case for anyone trying to climb the ladder. And a result of historical inequities, which I shall not get into here, the kid from Weston is also more likely than not to be white, and the kid from Roxbury Black. None of the circumstances surrounding them is their fault. And you mention "putting in the effort" - Half the point is that the established holders of privilege don't have to.
More education will help close racial wage gaps somewhat, but it will not resolve problems of denied opportunity. Completely independent of individual ability, the society we live in has these artificial boosts and drags based on race through systemic inequities. that the problem is, as part of the aforementioned social reproduction problem, its more likely than not subsidized housing will disproportionately be used by minorities.
Keep in mind that even without the new MBTA multifamily zoning, there's been the 40B program for decades, which in of itself gets a good amount of pushback from almost every town and project that tries one. The pushback to MBTA Multifamily seems rehashes almost all the same arguments; arguments that opposition to 40B drags up tend to be the NIMBY arguments that preserve the status quo - School Funding, Home Values, Community Character, etc. and thus maximizes the barrier to entry. Unlike 40B, the MBTA plan has no affordability component, and while it is all but destined to be cheaper than the existing housing stock in these towns, I can't help but feel that the equity argument fails. Per MPAC, "any state policy that fails to incentivize affordable units for families will fail to meet the most pressing need in the housing field: the tremendous lack of units that lower-income families with children can afford. Furthermore, such a policy will fail to make a significant dent in the segregation of the region by race, a reality that has been perpetuated by decades of government action."