Because everyone's rich enough to have an Amex account, and no one ever turns over their car title or uses a payday lender to make rent. Everyone is exactly lik

Because everyone's rich enough to have an Amex account, and no one ever turns over their car title or uses a payday lender to make rent. Everyone is exactly like me, a rich white guy living a casually luxurious lifestyle, so how could they not have access to easy and cheap capital.