"If Halloween never existed, there would be a slim chance that it would ever become a thing. Think about it. Kids dress up in costumes and go to strangers houses and take their candy during the night. If you proposed that idea for a new holiday you would get laughed at."
Wrong, approval for loans and credit cards is primarily based on your credit history.
The "rich" person probably gets more loan offers than the "poor" person because they have been responsible with their credit usage and finances in general.