Degen

5：
So the key question becomes: who is the safest borrower? The answer: people who always repay their debts. And who are these people? Those with good credit. And what is credit? This is a tough question, but the current answer is simple: the rich and the powerful. The wealthier you are, the easier it is to borrow money from a bank, or more specifically, to borrow abundant and relatively cheap money. Ordinary people without money can only borrow at exorbitant rates, often as high as 24% per year through online loans. The result is that those who need money the most can’t borrow it, while wealthy capitalists can easily access the funds that ordinary people have deposited in the bank to expand their own businesses and then profit from the same ordinary people.

This process of capital flow is the mechanism by which wealth disparity widens. Ordinary people's money will eventually end up in the pockets of the rich. As mobile payments have become widespread, the ease of money flow has increased dramatically.