The root cause of the ever widening gap between the haves and have nots are inherent systemic errors favoring those misuse their resources in exploitation and aggression while those who have worked hard have to pay for other's mistakes they cannnot afford to pay.
The financial sector is clearly guilt of creating innovative financial instruments that transfer risks to innocent people while using conventional approach to cut losses when the crisis is out of hand. The waves of foreclosures have driven families and kids out of their home and become homeless. The legal system failed to make sound judgment per contract law as if there is mental impairment in logical and reasoning.