1) the card is expensive in an upfront way that is difficult for poorer people to justify for playing money games 2) getting the value of the card is contingen

1) the card is expensive in an upfront way that is difficult for poorer people to justify for playing money games 2) getting the value of the card is contingent on spending more money. A poor person with fewer expenses won’t get nearly as much benefit 3) let’s not ignore the elephant in the room which is credit cards trying everything to get you to make minimum payments to prey on the financially illiterate, which again, are heavily concentrated in the poor