Their Financials
Figures are presented as today's values (ignoring inflation) for ease of understanding.
Let's See Each Group Cashflows
The Elite

Every financial instrument has become a tool for status, from debt building credit scores to ESG investments signaling virtue.
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The Majority

A banking Super-App manages their comfort, handling all installments for their home, gadgets, and lifestyle.
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The Excluded

With unstable incomes, their low credit scores prevent them from accessing the modern financial system.
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Observe Their Money Allocations