Look at it from a different perspective: it's almost impossible for a poor person to accrue substantial debt, only a fool would lend money to someone who can't pay. That's why bums don't live in mansions and drive Ferraris -- no one offers them that kind (or any kind of) credit.
Does this clear things up at all?
Do yourself a favor and read about 2008 sub-prime implosion caused exactly by bums living in mansions and driving Ferraris. Educate yourself.
BiG Dick is Lambies (NLC) latest fresh created troll account spewing as ussual the unnecessary bullshit. Dont bother...not much ppl online here atm.