> Financing (credit cards, furniture rentals, payday loans, diversity business loans) has not made poor people in rich countries rich.

Predatory loans are not the whole picture. Stock markets and business loans have made many poor people rich. I know some of them.

> No amount of loans will teach people how to mix concrete or organize an effective workforce.

Student loans can help here.

> I oppose ensnaring third world nations in debt.

The developed world does not have a monopoly on finance. Credit unions and microcredit are possible anywhere, but nevertheless depend on trust and stability.