QUOTE : The treacherous practice of pushing subprime mortgages onto working class and poor people in no way represents a departure for banks… and they have gotten away with imposing the highest interest rates on workers, the poor, and people of color… thus subprime mortgages have joined overdraft fees, high-interest rate credit cards complete with astronomical fees and penalties, and payday loans in a long list of predatory products, which are designed to sap income from the poor… as anti-apartheid activist Steve Biko once remarked, “It is very expensive to be poor.