Precisely. I alluded to this in my previous comment, but you give very simple and specific examples of this phenomenon.
Other examples with significant impact:
Ability to borrow money is almost nonexistent for the poor, except for usurious rates such as in payday loans or credit card interest. An absolutely astonishing percentage of Americans carry a balance on their credit cards from month to month, and pay interest on that balance. And the poorest Americans can't even access credit. This inability to borrow at a favorable rate impacts major purchases that would, in the long run, save enormous sums of money, such as financing a home or an automobile. A home builds equity and doesn't enrich a landlord. A car lets you commute to better jobs and saves time otherwise wasted on public transit.
Fines, fees, and consumption taxes as a proportion of income are vastly higher, and there is no legal recourse. Late on your credit card payment because your employer didn't pay you on time? The bank doesn't care and you don't have money to sue your employer, not to mention they might just fire you. Sales tax is extremely regressive; 8-10% makes no difference to the well off, but regularly stops the poor from being able to afford basic necessities--and many state/local governments continue to seek increases in sales tax in order to make up for budget shortfalls as a result of their own lack of fiscal discipline.
What bothers me is how the wealthy class is always quick to point out how much "assistance" is given to the poor, but when it comes to the poverty tax and actually having an equitable playing field in economic affairs, they are dead silent. And the middle class eats up this narrative, because they don't want to believe that they have more in common with the poor than they do with the rich. Most Americans are one health emergency away from bankruptcy. Most cannot afford to lose their job. Yet so many believe that they should direct their anger at the poor for "being lazy and taking the benefits their taxes pay for," when the truth is that the truly wealthy have rigged the financial and political system to pay almost no taxes and steal far more tax dollars than all of the poor are ever given.
It is a kind of mass delusion perpetrated by the rich in order to sustain their wholesale theft of the wealth created by the entire working class, and the fact that so few of us have woken up to this reality is what makes me want to scream.