Give Middle class the Dream of wealth by giving them credit loans... So the option to borrow from future... All good all happy 
Loan = good = happy is a terrible equation. The truth is more like loan = evil = sad.
As a matter of fact, loans are more or less a trap. Banks and other lending entities have been playing the role of loan sharks in the past decades. They've made enormous amounts of money out of borrowers. They've acquired assets from those who defaulted.
Middle income families are better off avoiding loans. I've personally witnessed families who are trapped in debts that they end up paying them all throughout their lives.
But everything has two sides and I believe that in this time no one will show such bravery to do this things with the vaccine as we are losing our favourite things for it in regular life.