I find myself constantly trying to talk about laws, rules, regulations, etc that I find to be bad for or overly punitive towards poor people, but I can't think of a word to describe it. For instance, if you owe even a small amount in state taxes in my state they don't allow you to renew your license nor car registration. This could cause you to lose your job if you drive to (or for) work, and you are no longer able to make money to be able to pay said tax bill (or ANY bills, for that matter). It goes downhill from there.
I could possibly say the same for bank overdraft fees.
Another example: my state has an e-bike rebate with higher incentives for low-income people but forces you to buy locally (even if it's a billion $ big box store like Walmart). Even though you can get better & cheaper e-bikes purchasing direct from manufacturer online, and they STILL get their sales tax, lol. This may stop many low-income people from actually utilizing the rebate due to the much higher local costs and/or limited local availability. I'd call this requirement ______. I've thought of the word "regressive", but that's not quite right as it seems to pertain more to actual tax law specifically. Is there a word, or even a phrase, to describe this? Thanks in advance!