The poorer person can't get a break. If a less affluent person puts a
thousand dollars in the bank and agrees to leave it there as long as a
wealthy person agrees to leave their $100,000 then why doesn't the less
affluent person deserve to receive the same interest rate on their money?
It
doesn't work that way.

It shouldn't either. There's a fixed overhead cost to servicing every
deposit account what with the monthly account statements, 1099's and
record-keeping and that cost doesn't change whether the account holds a
$100,000 or a penny. It costs less to service one $100,000 account than it
is to service a hundred $1,000 accounts so those who want $1,000 accounts
can expect to give up something to make it worth the bank's while.

This is basic economies of scale and is nothing unusual.