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So you mean to tell me that those with no money or possessions have somehow attained negative value?
It's called debt and yes. People are turning to Credit Cards and Payday Loans to make the bills.
Also, wealth does not only come from the amount of assets yoi have, your net income plays a big role in that as well.
It does have a lot to do with total assets though.
Because at a certain point all assets(capital) generates its own money. It's the very basis of Capitalism.
Bill Gates total income didn't double during COVID. His assets just are worth a lot twice as much. Therefore he now is worth twice as much, and his assets generate twice as much wealth thereby compounding the issue.
How can you get a credit card or a loan if you have bad or no credit (aka likely someone who is the poorest of the poor)
Go look at places like cashnetusa. They're the only kind of places that will work with the people you described and they have like 400% interest rates.
You take out a loan of $1,000 and get trapped for years.
I saw something that said if you have $0, you are wealthier than X% of people in the US simply because you do not have debt.