1) I don't believe in maximizing happiness. That leads to wireheading, and also to the blissful ignorance problem where being falsely convinced of X is considered as good as actually having X.

2) When people who are poor have to make or borrow to get things, making and borrowing has a cost. The fact that richer people won't pay this cost shows that the cost is larger than the monetary price. If anything, this is an example of a poverty trap, since it means poorer people have to pay higher costs for things than richer people.