[EnFinlay]

I don't think you need a conspiracy to get to a place where in aggregate the decisions of people in control create or perpetuate a poor underclass.

Just like some companies make decisions for the benefit of the next quarter, rather than the next 5 years. If you are able to make a decision that increases near term metrics, at the expense of some other metric you aren't even paying attention to (like making poor people poorer) I can see that happening independently thousands of times a day.

Take payday loans, more commonly used by people with a lower socio-economic standing. They aren't there to create an underclass, they are there to provide a service (loans) at a cost that matches the risk (ignoring the conversation about the cost not matching the risk due to predatory loans). But if decisions are made to increase profit from payday loans, a natural consequence is that the underclass is going to be made more of an underclass.

This is just one example, and it's clearly got some issues. I have no problem imagining many other decisions that will help create an underclass. Maybe the impact is 2 or 5 steps removed, but each one makes a difference, and leads to in aggregate "the rich work to keep the poor, poor".

But what do I know. I'm a developer who took one econ course.