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Josh, this may just be a matter of terminology, but from your description, there is a serious flaw in the design. Just because someone is Rich doesn't mean they don't have 'poor' problems like unpaid debt. Conversely, just because someone is Poor doesn't mean they aren't good customers.
You probably do need to track the 'deadbeats' and the good customers but the Rich/Poor distinction is (at best) misleading.
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