Bobert:

I didn't ask "Now, you ask what I would do???" I asked you to show me a working model or even something close to whay you say will work.

Looks to me like all those steps you proposed have ben tried and
failed.

I agree that the financial undustry takes advantage of the poor people. They would take advantage of anybody they can rich or poor but the poor are more suceptible and less secure. Teach them how to become more secure.

Instead of guranteeing a minimum income which takes away ones sense of achievement, Get on the financial institution's asses. Pass some laws limiting what they can charge to whom. Credit is a tool to financial sucess of you handle it right. Educate them on matters of credit cards and so forth. You want it so people don't have to learn anything. They never have to bear the consequences of bad decisions. They get by no matter what. What does that do for the level of education?

If you were ordering 1100 doors, how would do it? Would you tell the factory "don't hold up any small contractor's orders because of me?"

You ordered 3 door units. Maybe some poor shmuck ordered one and your order is over riding theirs. Would you be crapping on them?