The serious comment is, our banking and credit system works very well to allow certain groups to gain real material wealth, homes businesses,etc. Only recently has it been easier for women and people of color to get loans and credit cards without a co-signer. BUT then the rules were changed yet again and that credit score can work against you if there is any burp in your cash flow.
Of course this wealth report does not even begin to show the 3rd world poverty levels in some of our southern states.

That was NOT s serious comment BTW.