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Respectfully, two things:
Hey, thanks for the respectful reply. I apologize for the delay in mine.
I believe we're saying pretty much the same thing. Banks being able to set rates based on debt and the nebulous policy of a credit score, feed into wealth inequality, especially as to how it relates to home ownership.
Yes you are absolutely correct that the one main problem in the US today is wealth inequality. There is no arguing that. However, likely policy that has historical reference would be bringing back something akin to the Fannie Mae of the 1930's but instead of paying the the Banks to service the loan, the Fed would take on the debt itself and would escrow the sale between the home owner and the home buyer.
The reason I bring up the Great Depression is because as you've pointed out, the wealth inequality gap is growing, at a similar rate as to what led to the Great Depression. Unregulated securities are being traded by common folk and there's a looming sea change as to what employment will look like.
Unfortunately for us both, we live in interesting times.