discrimination

LGBTQIA, Small Business

Cake, Christ, Court, and Country: A Series of Short, Open Letters by a Queer Chocolatier

Dear Charlie and Dave,

Congratulations on your wedding! What a beautiful occasion to celebrate your love with the most special human on earth! Your love must be incredibly enduring to hold your bond so fast, especially with such events that have lingered since your nuptials. 

Within the last two years, my wife and I got married as well! We went very cheap, simple, and small for our ceremony, but we intend to have a grander celebration in the coming years. We both love cake. And I will speak for both of us (and the larger LGBTQIA2+ community) and say "thank you" for helping us weed out bakers that we won't need to patron!

You see, we all deserve the best. I'm guessing that you visited Masterpiece Cakeshop under the impression that it was of high-quality. I'm sorry that instead of getting high-quality you got high court.

To me, as a queer woman who owns a small business, transparency has been paramount to my operations. My customers know who I am to the core. They know they will also receive an outstanding product. I truly wish that transparency was how everyone and every business operated, but I'm shouting at the wind with such a wish. Maybe my transparency model will catch on through example rather than wish.

But, to the point, no one deserves to be discriminated against, especially during a time of celebration and a moment that will imprint itself on your memory until twilight.  Your case not only represents many queer and/or trans* folk, but it represents a large percentage of the frayed and worn social fabric of our nation. At least the patches that are not square, white, male, cisgendered, heterosexual, and claim Christianity as their faith regardless of their misinterpretations of Christ's words and deeds. As Lourdes Rivera writes in her piece

"The Court cannot accept those arguments in the LGBT context without undermining hard-won gains in equality for women and other groups and inviting a regression to the dark parts of our past we thought we’d left behind: a world of segregated lunch counters, and women confined to the home."

This is all a rehashing of our value in society through the foggy lens of religion.

We are valuable. We are lovable. 

Remain courageous and remain unapologetically in love, Charlie and Dave.

In solidarity,
Morgan Roddy, Queer Chocolatier


Dear Jack,

I'm sure these are trying times for you as well. You hold a deeply-held belief and feel as though you are only defending your rights to creatively express yourself and maintain your religious freedom.

We actually have a few things in common. We are both passionate about our culinary creations. We are both white and cisgendered. We are both businesspersons, albeit you have certainly been in business much longer than I. And, on the face of your argument, I can imagine that I would not want to be compelled into doing something I do not believe.

But there is more than just the face of your argument. Its core, its roots, its bones are not only discriminatory but it is just really, really bad business, to the point that over 30 large businesses filed an amicus brief in support of the case's respondents. Not that you're without powerful, if not controversial, support of your own. You may contend that, even though the majority of America and the majority of small business owners find discrimination against queer folks to be utterly distasteful, we are in the wrong because we have been swayed while you remain resolute and firm in your beliefs.  

Fine. I'm not a Christian and, as a self-identified comfortable agnostic, I can say that I am not guided by a religion. You've got me there.

But I am often moved by the words and deeds of Christ and I am especially taken by those who preach the gospel through actions instead of words.

The message of Christ was neighborly love.

And I am thoroughly befuddled why a cakemaker--someone who makes a product that is nearly universally loved--who claims to be a follower of Christ can perform some monumentally unloving acts. Not only are you performing un-love, you and those defending your case in the highest court in the land are making a significant effort to codify your unloving, discriminatory business practices.

I know that my queer self will not discriminate in my business practices. I would even prepare a box of truffles for you, despite your "sincerely-held beliefs" that my marriage is an abomination. I consider myself lucky that you would simply not choose to do business with me since it is clear from the outset who I am and what my business is about.

It is about solidarity, fierce and unapologetic love, and chocolate. 

Jack, I hope your collective efforts prove to be a modern-day parallel of Sisyphus. 

Unapologetically yours,
Morgan Roddy, Queer Chocolatier


Dear Tony, 

(Wait, can I call you "Tony" or should I just stick with Justice Kennedy? I'm sorry for my fluster. You're the first Justice I've written, despite my deep and abiding love of RBG.)

You've got quite the hot seat on the bench! All eyes will be on you and your position on the Masterpiece Cakeshop v Colorado Civil Rights Commission. Folks like me are not exactly comfortable with this arrangement, but we are hopeful all the same.

We watched you give Hobby Lobby--and conservative businesses and the religious right--a victory in taking away women's access to birth control through employer-sponsored health insurance coverage. But, a great many of us also celebrated your position in Obergefell: 

No union is more profound than marriage, for it embodies the highest ideals of love, fidelity, devotion, sacrifice, and family. In forming a marital union, two people become something greater than once they were. As some of the petitioners in these cases demonstrate, marriage embodies a love that may endure even past death. It would misunderstand these men and women to say they disrespect the idea of marriage. Their plea is that they do respect it, respect it so deeply that they seek to find its fulfillment for themselves. Their hope is not to be condemned to live in loneliness, excluded from one of civilization's oldest institutions. They ask for equal dignity in the eyes of the law. The Constitution grants them that right.

You tempest of the Court! How you pitch us to and fro!

All feelings aside (or as many as will be patient enough to sit for a brief minute without jumping back into the fray), you have quite the case in front of you. The questions of how corporations govern themselves, how government and businesses and individual customers engage with one another, and the friction between free speech (or religion or expression) and anti-discrimination are not easy ones to mull over, but you fully begin that process today.

I begrudgingly recognize the personhood of corporations that our nation seems to hold as true. That seems to be of a particular import in this case as Jack Phillips contends mightily that it is his beliefs that are under assault, his expression that is being coerced by the State of Colorado.

Is that the same as Masterpiece Cakeshop holding those positions? Can the corporate veil simultaneously protect Phillips while he also seeks to shed it? Can he possibly begin to, and please forgive me Justice Kennedy, have his cake and eat it, too?

I will be waiting anxiously until the coming year until you indulge us with your views on this case. As a businessperson, a queer person, and as an American. 

Respectfully yours,
Morgan Roddy, Queer Chocolatier


Dear America,

We are in a fit. And I am exhausted by it.

If you think queer men don't deserve a wedding cake, that they deserve to be discriminated against, that religion is above law regardless of the notion that religion can and is used by some as a thin veil to display power rather than a platform to display love, then how can we move on as a nation?

Perhaps we need to have a sit down chat over some chocolate to figure this out. Together. 

We must do better,
Morgan Roddy, Queer Chocolatier

LGBTQIA

Queer Finances: Should Queers Have Their Own Credit Union?

QUEER FINANCES: SHOULD QUEERS HAVE THEIR OWN CREDIT UNION?

Queer folk can face discrimination at banking institutions. Is it time for queers to have their own credit union?

Queer folk can face discrimination at banking institutions. Is it time for queers to have their own credit union?

If you subscribe to my monthly newsletter, you'll notice that I include a section that I adorably call "News Bites": a curated list of news and media pieces related to chocolate and/or the queer/trans* community. November's issue of the Cocoa Communiqué contained a piece from Forbes (though the original interview was a podcast episode from Queer Money(TM)) and it asked the question: "Should the queer community have its own credit union?"

Dozens of internal responses engaged immediately in a mental traffic jam, desperately trying to nudge their way past another to get out first.

Here's why:

  1. I'm queer and I have some thoughts about how I would like my personal and business finances handled.
  2. I used to be a stockbroker and have a certain amount of financial and economic professional knowledge.
  3. I have an advanced degree in sociology and tend to think about systemic issues, such as the economy and LGBTQIA2+ communities.

Hence, this blog post.

Do I think the queer community should have a credit union of its own? Yes. 

But.

The original interview between Phillip Endicott (who is attempting to launch a queer credit union: Equality Credit Union) and John and David, the hosts of Queer Money (TM), contained some references to data that were interesting and, on the face, very convincing:

  • “In 29 states, you can get married and be denied a home loan because of who you are, how you live and who you love,”
  • Endicott struggles with the notion that LGBTQ people are “considered wealthy and well-off when, in fact, we’re struggling financially.” He continues, “We’ve been adversely affected by all the years of fighting for equality and acceptance.”
  • Endicott says, “We’ve been fighting the HIV/AIDS crisis. We’ve been fighting for marriage equality and equality in general. We’ve been fighting for our rights for so many years.

However, I think there were elements of homogenizing the homos to make a point.

It is true that there have long been battles that the queer community has waged, but some of those battles have been labeled as "LGBTQ issues" instead of what they might have been more accurately described as "cis white gay men" issues. And that's problematic.

Demographics of Wealth and Homeownership

Discrimination of any sort is wrong, particularly when it leads to a barrier preventing financial betterment. In Endicott's reference of discrimination at the bank when applying for a home loan, the only folks who might be shocked or find themselves seeking pearls to clutch are white folks.

People of color (PoC) have long been denied home ownership, which has led to a staggering generational wealth discrepancy between white households and non-white households.

In 2009, a representative survey of American households revealed that the median wealth of white families was $113,149 compared with $6,325 for Latino families and $5,677 for black
families.
— Shapiro, Meschede, and Osoro. 2013. IASP Research and Policy Brief.

These figures are before any consideration is taken regarding sexual orientation, but we can cautiously extrapolate this to mean PoC who identify as LGBTQIA2+ are multiply marginalized and increasingly less likely to enter into homeownership due to discrimination and socioeconomic barriers and, thus, lose out on the biggest wealth generator in our economy. 

Discrimination was pervasive throughout the entire sample, yet the combination of anti-transgender bias and persistent, structural racism was especially devastating. People of color in general fare worse than white participants across the board, with African-American transgender respondents faring worse than all others in many areas examined
— Grant, Jaime M., Lisa A. Mottet, Justin Tanis, Jack Harrison, Jody L. Herman, and Mara Keisling. Injustice at Every Turn: A Report of the National Transgender Discrimination Survey. Washington: National Center for Transgender Equality and National Gay and Lesbian Task Force, 2011.

Trans* folks were surveyed and found to have a homeownership rate of less than half of the general population (32% compared to 67%).

To layer on an additional challenge that is far too frequently ignored, our aging LGBTQIA2+ folx are being crushed by our nation's economic machinations. According to a 2014 report by SAGE, our queer/trans* elders are facing "adverse differential treatment against older same-sex couples seeking housing in senior living facilities" and "this report attests to the role that discrimination plays in worsening this housing instability among LGBT elders."

Housing instability affects millions of LGBT older people around the country, many of whom face severe financial hardship, challenges with employment and unequal treatment under the law.
— SAGE and ERC Documents Discrimination against Older Same-Sex Couples. 2014.

Sexual orientation and gender identity minorities face housing and banking discrimination, but PoC and the elderly are suffering disproportionately when compared with younger and white cis gay males.

As a small favor, I will begrudgingly leave out the rural/urban divide that can also be layered onto this verbal model I'm outlaying! You're welcome!

Queer Financial Struggles

It is also true that the queer community struggles with the duality of being stereotyped as having gobs of money to spend while also not actually having a strong financial situation or outlook. But this might be simply because of lumping folx together who have vastly different experiences and levels of privilege.

According to Experian's 2012 survey, married or partnered gay men have the best financial partnership out of any possible couplings. The average annual household income for such pairings is approximately $116k while married or partnered heterosexual men household earned nearly $22k less, on average.

When it comes to individual income, gay and straight men may earn roughly the same amount, but married or partnered gay men personally take home nearly $8,000 more, on average, than their straight counterparts.
— Experian. 2012. "Understanding Your Customer."

In a clumsy attempt to compare the venerable apples-to-apples, Experian's survey also referenced that lesbians--single or married/partnered--earn more than straight women, but all this does is muddy the waters surrounding the wage gap between men and women, regardless of sexual orientation. 

This is not to be dismissive of the financial challenges faced by straight, unmarried women but rather point out that the notion of a cis white gay man saying "we're struggling financially" while sitting atop the financial mountain falls flat.

Yay! Queers can get married! Now what? wait, where'd you go, gay guys???

When trans* PoC are being murdered at terrifying rates, with 2017 already surpassing the number of such murders in the previous year, planning nuptials isn't at the forefront of their minds for causes worthy of fighting. Whereas, cis white gay men have the majority of the same socioeconomic and political privileges as their straight counterparts, the main thing they lacked in terms of institutional access was in the ability to legally marry their partners. Thus, the cause célèbre of same-sex marriage was born.

This is not to say that other queer/trans* folx didn't benefit from being able to marry whomever they unapologetically loved, but consider that there has been a deafening silence from cis white gay men on a myriad of social justice and civil rights issues after they won their SCOTUS ruling. The amount of capital (social and financial) gay men initially had to invest in the cause of same-sex marriage had a tremendous return; but where are they now?

The backlash against queer/trans* being given a modicum of equality has led to a more focused attack on our community, particularly the trans* community, with a rash of so-called bathroom bills and preventative measures against enacting the passage of hate crime bills.

Gay cis white men need to use their access and privilege to help build a safer and more just environment for the most marginalized in our community before trying to win over our support for a new cause célèbre of wanting a credit union.

Do I think queers should have a credit union for our community? Yes. Credit unions serve communities and we are a community that has unique financial conditions. But a queer credit union does not need to be led by cis gay white men and it does not need to come into existence through the exploitation of the marginalized socio-economic and political contexts of those in the  LGBTQIA2+ community who do not share in such privileges.