Casting the risk that both need to take as equal is a terrible disservice to those with less money. They have less emergency fund, thus less credit-worthiness a

Casting the risk that both need to take as equal is a terrible disservice to those with less money. They have less emergency fund, thus less credit-worthiness and a much, much higher risk of introducing a lot of pain and stress into their lives if things go south on a bad deal. Rich people have a lot of safety nets, and usually have the luxury of taking out a loan or working out a better deal after things go bad, whereas a person with less money will be shooed away two steps into the door of any banking or loan establishment that isn't solely a predatory one.