Hello @fijimermaid
Welcome to the PH community.
I think it is a complex issue that raises, I am not very wet in this matter, but I know that there are debts that limit a lot, as well as there are others that allow to create better things.
However, the differences in social classes are increasing, unfortunately. The classic phrase: "The rich get richer and the poor get poorer.
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Thank you @josevas217.
Great quote, "The rich get richer and the poor get poorer." As a species, our global civilization needs to address this problem sooner rather than later. Artificial Intelligence and robotics might accelerate this "social classes" gap as well. I am an optimist, so I know humans have the capacity to address this, I just hope we have the will.