A nice article explaining why our system keeps the poor down.
So, let’s have a little less talk about how the poor should learn to manage their money, and a little more attention to all the ways that money is being systematically siphoned off. Yes, certain kinds of advice would be helpful: skip the pay-day loans and rent-to-pay furniture, for example. But we need laws in more states to stop predatory practices like $50 charges for check cashing. Also, think what some microcredit could do to move families from motels and shelters to apartments. And did I mention a living wage?
If you’re rich, you might want to stay that way. It’s a whole lot cheaper than being poor.
See also (exact same text as the link above).