You joke, and the OP is possibly joking as well, but this is a reality for a lot of people... Their poverty freezes them out of the credit system, they lack health insurance, etc.

Poverty in the US has gotten so bad in some places that it rivals the worst of Africa[0][1].

[0]: https://www.nytimes.com/2018/01/24/opinion/poverty-united-st... [1]: https://www.ohchr.org/EN/NewsEvents/Pages/DisplayNews.aspx?N...