Plenty of people have written books about the issues you're talking about - they're well understood by many policymakers. But there's nothing illegal about discrimination against low income people, and older homeowners are about twice as likely to vote (and like 100x as likely to donate to candidates) as the people who are impacted.

I'm open to any theory of change - I've been trying to come up with one for a decade, and I've had thousands of conversations about it.