The wealthy have access to low interest credit, not the poor (both directly and indirectly via options, derivatives, forex, etc). When the poor have access to

The wealthy have access to low interest credit, not the poor (both directly and indirectly via options, derivatives, forex, etc). When the poor have access to credit it's usually in very short term high interest vehicles (credit cards or loansharks), which are not as benefitted by inflation as you think.