And if the banking system were actually designed by poor people to suit the needs of poor people.

How would this scenario play out differently?

A bank is underwater on loans to a certain house. If they pull the plug now, the bank takes a loss. If they work with the household to raise the household wealth, then they can recoup their loan amount from the new wealth.

So what's your alternative solution, in the world where banks are designed for the poor?

I ask because I don't see how the personal assets of the people who designed this system come into play, at all