Is the system not designed to keep the poor, poor....(see details)

I only have 2 examples to give you, but they are real life examples, no need for a damn link.
Last Summer when we paid off the mortgage, we went to renew the house insurance, when they found out we had no mortgage we got a good size reduction on the insurance.
Why the break in insurance to people that own their home outright?
A while back some relatives fell behind on their payments, the bank called them in and they had to refinance at a higher interest point.
That seems fair, the poor are struggling so make them pay more.
Do those two examples not prove that the system is designed to keep the poor, poor?