This article is completely false. There has been an exponential increase in the number of start-ups in America to specifically serve the underclass. What the poor want is money, and the market has responded with almost every conceivable solution. Some examples, Gold for cash stores, Payday Loan stores, Auto Title Loan stores, increasing number of pawn stores, new high risk credit cards offering 29.9% APR, rent-to-own furniture/appliance stores, the 'short term' elimination of any standards towards an approval for purchase of a home to allow predatory 'Borrowers' to buy homes they could not afford, etc...