This is just silly.

SaaS does not block innovation or discriminate against poor people.

The main thing SaaS offers is convenience. I cannot think of a single SaaS service that you cannot do without or replace with an alternative.

In other words, if you are cash poor, but time rich, you can always find or make an alternative.

In fact, I’d say just the opposite. SaaS is great for innovation and poor people. Most SaaS have a free or a low cost tier, or a pay per usage tier. This allows anybody, poor and rich alike, to get started without any of the heavy lifting or a large upfront investment.