[peanutgal2600]

Poor people are forced to spend more on everything. Finance is a great example. In the USA, banks find poor people unprofitable. To remedy this, they created two institutions:

* ChexSystems, a credit reporting service for bank accounts

* Payday loans, a predatory lending system which takes 4-8% of a person's paycheck to cash it instantly instead of waiting a couple of days.

ChexSystems is designed to identify poor people and ban them from the banking system so that they have to give their round of flesh to shylocks in order to buy food and pay rent. This is one of the more egregious attacks on the poor in the USA, but there are tens of thousands of them to be honest.