Two cars break down at the same time. Two people try to buy a new car, a rich person and a poor person. The rich person's car loan is denied. They buy a cheaper

Two cars break down at the same time. Two people try to buy a new car, a rich person and a poor person. The rich person's car loan is denied. They buy a cheaper car, or pay to fix their broken car. They fight the credit fraud and even if it takes years, they win. Three years later they buy the new car they wanted all along. The poor person is denied a car loan. It was already the cheapest car they could find, and they don't have the money to fix the old car. They can't take time off work to go to the bank to fight the fraud, but it doesn't matter because they've already been fired due to not having a way to get to work anymore. Before they can find a new job, they're evicted from their apartment for missing rent. Tell me again how rich people are more affected by identity theft.