Keep in mind that I'm in México so most of this shit isn't of my concern but it doesn't seem to me that you're taking into account that there are still many poor people that are illiterate. so I don't know the numbers but I'm willing to disclose that I work at a financial agency, we call people mainly in California, Arizona and Nevada and I think, it's mostly low-income people and a seriously high amount of them are very much illiterate and no matter how much I simplify things for them they can't even understand how something seemingly as simple as interest works, these people can't even file taxes if they wanted to, they have to rely on predatory financial agencies that basically scam them out of the majority of the tax return so credits aren't perhaps the best of solutions.
Look, I don't know the statistics, but even if educated poor people can benefit of programs like these ones some of the people that really need it most juts won't, because they simply lack the education to do so.