Companies and the Divide

I feel large companies such as insurance companies, banks that deal out "cash now" loans and credit card companies are either playing a big part in creating the opportunity divide or at least not contributing to its depletion. Also I place some of the blame on the people or the general public, it is up to use to see through the plots against us, yes, as US citizens or human beings for that matter we should not be conned/scammed in the first place but fact is it's a real threat to our pride and our wellbeing, we have to see through them. Lastly I would like to change two things. First I would like to erase credit from ever having to be invented, if credit wasn't so there would be more people making responsible purchases. Credit allows you to purchase out of your capacity and with most people's "buy now pay later" attitude, it catches up with them fast. second i would like to have a mandatory credit class for high schoolers, credit itself cannot be undone since it is now a part of the world's system but if we teach our boy's and girl's about its benefits and its drawbacks throughly then we may see a large change in the opportunity divide.