It's possible for someone born into poverty to get scholarships and college loans to get a higher education. (Sometimes it's not the best deal in the world, but

It's possible for someone born into poverty to get scholarships and college loans to get a higher education. (Sometimes it's not the best deal in the world, but that's not the point here.) It's a large expenditure, but it's a one-time expenditure; once you have the education, no matter how poor you are for the rest of your life, you still have it. No one's going to give you a loan to get a $500/month "AI companion" for the rest of your life—in part, precisely because it's for the rest of your life. What you are proposing can not be seen as anything other than a way to ensure that society is permanently stratified by socioeconomic class.