Companies who profit from low-wage earners are exacerbating the opportunity divide by making it very impossible for low-wage earners to obtain upward mobility. Having good credit is the key to upward mobility and the businesses who practice providing high interest loans to individuals prevent them from saving money. Most individuals ultimately neglect their loans because of high interest. Payments made on cars, needed to get to work or homes are lost which makes it difficult to continue working without transportation or worse they can become homeless.
As for who is responsible for alleviating this issue, I think the answer is everyone; corporations, the government, and individuals. The Government on a national level needs to create laws that address this high interest loan practice that are carried out by businesses. The rules on interest should be strictly enforced and businesses should be made to carefully explain to customers what they're agreeing to. The Government should also make it a crime to provide misleading information.
The Corporation must learn to establish a set of rules that would abolish them from making loans available to individuals with poor credit history or don't have the financial means to access the loans. Businesses also need to have moral standards; It may be legal, but it doesn't mean businesses should enlist in practices that will harm or hurt other people.
Individuals need to take responsibility for their actions by making sure if they can afford the monthly payments on loans before hand. The need to determine what their monthly expenses are first such as rent, food, clothes, utilities etc and checking how much they would have left before taking out a loan. Individuals need to read what they sign also, if it takes you an hour to read the full details of what a business is asking you to agree to, so be it!
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