FDR didn’t just pull us out of the Depression. He fundamentally altered economic/banking/political rules so it wouldn’t happen again. Several decades ago we started dismantling some of the very protections that FDR created, so crony capitalists could party more. And here we are.

That’s dead on. Also worth saying, tax credits and low interest loans are a relatively new phenomena for helping the working class. It was pioneered by this generation of Democratic leaders. We used to give people money directly, and we should again.