Hi dear friend @fijimermaid

the poor need credit to buy essentials, the middle class use credit to elevate their social status, and the wealthy use credit to become more wealthy.

I also agree, but everyone must assume their responsibility, the poor seek to get into more financial expenses and do not save in most cases, Bill Gates said "if you are born poor it is not your fault, but if you die poor it is your fault"

god bless you