Is the system designed to keep the rich, rich?

A while back I asked a question is the system designed to keep the poor, well poor?
People got defensive saying no it’s just the poor are a greater risk to do business with so in turn they must be charged more to go with that risk.
That makes sense the poor have a hard time paying so we must charge them more,(the risk of doing business with them).
Now the wealthy get charged less, (because the risk is lower) they get to pay less and keep their wealth.
So is the system designed to keep the wealthy rich?