I think you answered your own question. The "lack of discipline" is not an internal failing, but an externality imposed disproportionately on poor people/PoC. T

I think you answered your own question. The "lack of discipline" is not an internal failing, but an externality imposed disproportionately on poor people/PoC. Therefore, a savings product that makes access difficult in most cases but not impossible (for true emergencies), and without onerous penalty should access be necessary, makes its usage more palatable, even with the lack of interest.