Most sources I read indicate the opposite: poor and middle class people are much less likely to be debtors rather than creditors. They're more likely to have an

Most sources I read indicate the opposite: poor and middle class people are much less likely to be debtors rather than creditors. They're more likely to have an auto loan rather than own a car outright. Likewise, they're more likely to have a mortgage on their home rather than own it. The wealthy, by comparison, are more likely to invest their money, issuing loans to other people.