We need terms for people who are below "working class" on the socio-economic scale. Underclass is a horrible term, but I'd venture that we need a better one or a few. France has "marginal" but that carries the same stigma.
I'm underclass because I'm a State pensioner. My income doesn't reach the accepted lower level for a normal life in the UK. I'm not whining, I do okay-ish, but I'd quite like a word for my status in society.
Between becoming disabled and reaching retirement age, I was incredibly hard up and actually felt like underclass. Absolutely nothing was set up for people like me, hardly anything was available or possible, and I was at the level of poverty where everything's more expensive - PAYG electricity & phone, can't take advantage of offers because zero slush fund, have to buy the smaller packs of everything, and so on. I loved my cheap house but it was literally full of holes and had an earth floor under the carpet. One winter, the inside of the fridge was warmer than my kitchen.
I shoplifted a few things like shower gel and moisturiser. I only had to live like this for five years. Too many people are born into these margins, grow up in them, raise their own families there. It's by no means all about drugs & crime - it's mainly bad luck. I can fully understand, though, the draw of escaping the day-to-day of social & economic exclusion through any means at hand.
So, yeah, we need at least two more words - one for "severely restricted" and one for "excluded" 😢