Indeed, even when located in the same area, the poor may not even patronize facilities frequented by the middle class because they feel out of place. And even when all patronize the same facility, providers may be able to discriminate between the voluble middle class and the uncomplaining poor. So if more resources or better management are inadequate answers, what might work?
The 1994 interstate branching statute likewise has its origin in the state laws that permitted cross-border banking, beginning with the rewriting of the Maine banking laws. Adjustable rate mortgages are another innovation that began at the state level, and of course, the National Banking Act itself has its origin in the states’ “free banking” laws of the nineteenth century.