Hypersane sounds a little smug, but it feels close to something.
Like, there seems to be a difference between how smart a person is, and being [effective? rational? non-reactive? introspective?].
It feels like there's a spectrum of to which extent people are programmed by, and are reacting to, their environment. A spectrum that might be separate from how smart they are. Give them a text-book or an IQ-test and they'll do great, give them the news and they'll ineffectually berate and hate each-other, and so on.
So while a sane person might have a common social programming, an insane persons programming would be corrupted/deviant.
And a "hypersane" person would be someone who is more able to see their own (and others) programming, and to a greater extent be able to opt-out of some of it?
Yes you can, by pricing according to their needs and not according to your costs.
It's easy to forget that poor people are still people -- they have base needs like the rest of us: they need food, drink, clothes and of course shelter regardless of their financial situation. Some are currently able to meet those basic needs by holding multiple jobs, taking out loans or putting up with someone else (relative, friend) that is economically well-off. Regardless of how they do it, these basic needs translate into economic activities for whoever is able to fulfil them at a price they can afford.
Of course to break even, your business model needs to factor in the fact that it will take longer than the average to see any return on invested capital.
https://gems.org/ might disagree with that statement. It's a project that I have high hopes for. And they even make a good argument why they have decided to go the blockchain route, while others in the space have by and large failed to make their case.