Credit scores only strategically matter if you’re middle class

Rich people always have access to money, so just keep borrowing 

Poor people have no hope of paying loans back, so just keep borrowing

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Who is lending to the poor? Like payday lenders etc?

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Feel like I’m always hearing about people paying something crazy like 600/month for 10 years for an average car and it’s for this reason. There must be a cutoff but you can just repo the car

There will always be a cc that takes you I think  but bad credit car loan not ez

Yeah doesn’t make a ton of sense but it happens somehow so there must be some calculation there. They’re still getting car loans, Klarna, qualifying for credit cards.

I guess I have no idea about genuinely homeless or absolutely destitute people but people who have just a very low paying job, welfare, food stamps, etc are always getting loans for stuff