point stands though, that not everyone starts off on the same rung. that's ok, that's life.
life isn't magic and sometimes you need capital to build opportunity. sometimes debt is the best choice - but it's also true that those who need to borrow and are at the bottom of the pile get charged more for that debt.
that's the problem, that's the real inequity, and that's where the "lack of fault" is. yeah debt contract is voluntary but if you can't negotiate rates and people who don't need the same ratio of debt can? lol.