The richest 1% in a general sense without naming anyone specifically. There are only two possible ways to understand the policies that have led to this, either people who have made and passed these policies are incredibly foolish, to the point of being unbelievable, or else those with money and power have influenced policy with the specific design of bankrupting middle class taxpayers and putting as many low income people into poverty as possible. The only ones who would benefit from such policies are the 1%.