Do you think the poor in your average western country have a lot more liquidity than Americans? Especially after inflation and increased CoL with stagnating wages.

>Having to compare America, one of the richest nations in the world, to a generic developing nation is proof enough that something is very imbalanced.

Who is making that comparison? I'm telling you to look at statistics. And statistically American citizens are wealthier than most developed nations. And the poor american citizens pose no thereat to the rich American citizens in order to be a problem for them as the OP makes it seem.