So I was thinking about the good old fashioned poverty trap again.
Those who're unfamiliar with the concept it works pretty much like this: the inability to put aside enough money to purchase the things that let you save money.
Here are three examples where having money, allows you to save money.
1 - Purchase a car in cash. How does this allow you to save money?
No finance charges with interest.
Lower insurance rates.
Allows you to invest money you would have spent on payments.
2 - high efficiency products for this example: ground loop geothermal heating and cooling for your home. (in cash)
Using electricity at .10 cents per KWH SEER 12 would cost you $10 per MTBTU Ground loop EER 15 would cost $6.50. (SEER 7 vs EER 20 is 14.39 vs 5.22)
3 - Insurance.
It's pretty common knowledge that higher deductible generally gives you a lower premium.
Lets use health care as the example here since it's so popular in the news.
*note image does not reflect example.
A catastrophic coverage plan with a huge deductible, say $10,000 gives you a very low premium indeed. Compare that to a typical HMO plan with co-pays, ER costs, and medication and a low deductible and you'll see a much higher cost. $50 per month vs $400 per month. If you have $10,000 in the bank, or an an HSA then you can go ahead and get the high deductible cost and save yourself $350 each month.
Obviously there are plenty of others; the ability to buy decent clothing, the ability to purchase quality windows, etc. Just using the three examples above lets take a look at how much the better off can save vs the less fortunate.
car: $25,000 at 5% over five years will cost you between 35-40k depending on the bells and whistles.
If you pay yourself $500 a month and invest that, you'll have that money in cash at the end of five years, buy a car in cash and keep the leftover 10-15k. 
In the above example that's 21,000 over five years (350 a month)
SEER vs EER:
According to my power bill I use 9600 kwh a year, which is 32.75 MBTU.
that's $3260 vs $2120 (rounded)
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So by being able to simply afford the more expensive option (in the case of health coverage the riskier option) over the course of five years one could conceivably save 61,000.
Think about that. The ability to save over $12,000 a year for no reason other than the ability to purchase more expensive options.
This obviously is predicated on the idea of being in an income where such things are an option in the first place. People who make minimum wage don't have mortgages, nor generally do they drive 25k cars and have solid health insurance they pay for themselves.
(out of curiosity I ran that $1028 figure through a simple compound interest calculator to see what it comes to after five years.)
Current principal: $0
Annual addition: $12,340
years to grow: 5
Interest rate: 7% 
(for simplicity making additions one time at the start of each compounding period)
---------- - - - - This is how inequality hurts us. It prevents people from being able to use their income efficiently in subtle ways.