Hi Quilligrapher. Banks do not have an obligation to lend to anyone, of course, as they are designed to make profits for their shareholders, or owners. We may question how they assess the creditworthiness of potential borrowers, but that does not take away from the basic nature of what a bank is.
Muhammad Yunus, however, founded what he named the Grameen Bank, which was a lending institution the purpose of which is to lend startup capital to the poor for purposes of helping them lift themselves out of poverty. Profits are simply reinvested in the bank, rather than distributed as a dividend (the Grameen Bank is not a coop, either, incidentally). It also gives college scholarships to the children of select clients.
This "micro-credit:" system is fascinating (I have a number of hubs on the topic, if you are interested), and has even been extended to a micro-investing system, whereby Westerners can invest in the businesses of the poor (look up the organization Kiva, for example).
I think my point was that it is a human right to be able to self-generate enough basic income for your own household. In places where there are no jobs, or no labour laws, this can be an impossibility unless you can start a small enterprise. But this can usually only be accomplished with startup capital...