I think people need to acknowledge that “ghetto” was traditionally a word used to describe the living conditions of Jewish people under Nazi occupation-it was state owned and maintained public housing, they were terrible. “Ghetto” in modern context comes from black communities that were sorta forced through systemic racism to live in state owned and maintained public housing properties like Section 8 housing. So when you use the word ghetto, you are talking about those communities
You didn’t figure out the word “ghetto” from your Jewish grandmother who used it. She didn’t describe a trashy living situation as “ghetto”, I can tell you that. You know the word “ghetto” because of black women. What you mean when you say “ghetto” is “trashy” “cheap” “dirty” “untaken care of”