* How are these companies who profit from low-wage earners exacerbating the opportunity divide? * Who holds responsibility for alleviating this issue- the corporations, government, or individuals etc- and what resources need to be in place for people to access?

After reading Business Week, I assembled in my mind that the reason banks for example Bank of America corporation, financial investors, and U.S Bancorp use people. People who are low income and are in need of money and are vulnerable is for their own selfish reasons that blows my mind. They mislead their clients into signing a contract that increases their interest rate secretly.They get paid personally when a client receives interest of 28 % for not paying their bills on time.They catch bait and real in the nations poor, college students,low income communities that are living on a day to day pay check. How does not knowing sometimes what the out come of the next day will be?. This selfish corporation Bank of America within its self did not write in clear print the fact is  banks rip you off. At the the same time it had drawn the attention of the law and caused them to get a civil suit against them. At the same time the government system is still in their favor and has not shut them down. Even though we do have resources for example Financial Aid for students, Bail bonds for those who get incarcerated, Mortgage loans for those who can not afford to keep their means of shelter. That is when they have to go take a loan out at the bank and fall into, what they call interest. In actuality is the word they use to undermine the situation and defined their reasons to take money from people at their most dilapidated and vulnerable hard times. To some people this is this way because of the different class pyramid system we call government.