The main asset most people have is their ability to do useful work for some employer. So for example, if a person has demonstrated a history of steady employmen

The main asset most people have is their ability to do useful work for some employer. So for example, if a person has demonstrated a history of steady employment, some bank or finance firm would probably be willing to loan the person the money to buy a car or most of the money to buy a house. The OP completely ignores this form of wealth.