Are you kidding? Poor people of course cannot handle credit, because they don't have the cashflow or savings to prevent the use of credit in disadvantageous situations. I am not saying poor people shouldn't have credit, I am saying credit is most destructive for poorer people, and so any service that targets that market is exploitative of their misfortune.

> Poor people of course cannot handle credit

That starts you down a very slippery slope of what other things poor people supposedly can't handle, because of course you know what's best for them.

They would definitely be less poor if they could