We are already there. Case in point - my wife and I. My family is poor, my mom's already had one bankruptcy, and I now make more than the rest of my family DOUBLED. My wife comes from a solid middle class family, both her mom and her dad have 50K credit cards (real Platinum-class cards back then). She and I married, moved in together, and after a few years started to get credit cards. I got a $300 credit line, she got 5K. My second card eventually got approved, $500. Her second? Over $4000. At this point she has $12k in credit and I have around $4. The only one with a job is me - when she got her cards she was working part-time in a book store making 8.50/hour, prior to that she was in college. I was making 50k a year as a computer programmer.
I got saddled with my family's credit "worthiness" and she benefited from her family's. I *still* cannot get as much credit as she can, even though we've been married for 13 years, my name is on the mortgage, the car loans (one already paid off), and I'm still the only one with a job (she's a stay at home mom), but she keeps getting the card offers in the mail and I don't. So, yes, we are ALREADY in a class-style system for credit.