Soap box day

I keep getting messages from Spirit about the changes that are coming. About how money will be obsolete and the old systems will fail. Of course, we're seeing some of this already. And I can't help but think of those in our culture who do not have a lot of money. And the way so much is set up with monetary consequences for having not enough money. If you can't afford health insurance, your health care costs are more. If your credit is not good because you've been struggling financially you get charged MORE on your car loan, your interest rates are higher, your mortgage rates are higher, your credit card interest rates are higher... If you are late on a payment because you are struggling, again, you get penalized by having to pay more. Does anyone else see anything wrong with these systems?