That's exactly what it has done. It has made rules which favour a section of the people and reject another. Those who are favoured continue to rise in power, those who are rejected languish in poverty. It has decided that it can do business only with the rich. It pronounced the death sentence on the poor by announcing that the poor are not creditworthy.
Nobody can give a convincing answer.
Because of this silence financial institutions impose financial apartheid, without anybody ever daring to point fingers at them. If economics was built as a genuine social science, economists would have discovered what a powerful socio-economic weapon credit is. Economists would have recognised the need to promote credit as a human right, and would have designed a system to ensure this human right for all people. As social scientists, economists would have detected how credit gave society a particular structure, or at least how credit could have prevented society from having an undesirable structure. If we can redesign economics as a genuine social science, we'll be firmly on our way to creating a poverty-free world.