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What about people with good credit but low income? I get that perhaps it's easy to conflate the two, but they aren't always related.

Personally, I have no strong opinion either way on the issue.

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That's a fair question, but overall, see my answer to the other person here who responded to me. My position is certainly not perfect, but it's also an assertion of ideological/practical preferences, and definitely doesn't cover the whole picture, just the high level intent of "giving all the advantages to only those who require them them least is a stupid idea" for broad systemic health.

There's a lot of variables to unpack and configure in any system, and this is no different.

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