Final answer:
The author covers all points linked to assumptions about credit and debt except for illegal lending practices being a new problem.
Step-by-step explanation:
The author covers all but one of these points linked to assumptions about credit and debt: A.Illegal lending practices are a completely new problem B.Government's restitutive ideologies are based on flawed assumptions that derail the very solutions being proposed C.It is focussed largely on the middle-level employees in state-owned enterprises (SOE) comprising Black people D.Many of the former White employees in public service moved into the business of microfinance industry E.Restitutive measures assume that better informed people will behave better
The point not covered is A.Illegal lending practices are a completely new problem. The other points mentioned in the question are discussed and connected to assumptions about credit and debt. These points cover the flawed assumptions in government's restitutive ideologies, the focus on middle-level employees in state-owned enterprises comprising Black people, the movement of former White employees into the microfinance industry, and the assumption that better informed people will behave better with restitutive measures.