A wise and successful man made a comment to me once that has stuck out in my mind ever since. He told me there is one major difference between the wealthy and the destitute. "Rich people earn interest," he said with a smirk. "Poor people pay it."
Throughout my early schooling I had learned about the old English Fuedal system. Back then you were either born into the upper class or you weren't, and if not there was no chance of escaping your class. English Nobility owned land by birthright and the rest of the population had to work in servitude for the right to stay on the land. As the Brits began to expand and colonize the world, they brought with them their sense of ownership and superiority. One of their first stomping grounds was Ireland where they systematically stripped the Irish farmers of their land and turned them into tenants. If the farmers could afford the rents then the English Nobility would raise the price. The U.S. suffered similar English oppression for quite some time but finally managed to shake the monkey off their back on July 4th 1776.