At sellers that are click-and-mortar companies, such as levi’s or gm, has (have) forced them to limit their b2c efforts, or not to sell direct online.

Channel Conflict

Explanation:

According to my research on click-and-mortar company problems, I can say that based on the information provided within the question the term being mentioned is called a Channel Conflict. This is formally defined as a situation in which "manufacturers get rid of their intermediaries by selling their products directly to consumers through other marketing methods and/or over the Internet.

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being born in poverty would limit the people's chances, opportunities and benefits.

this happen because of several things, such as:

- poor people tend to gain less access to good education and nutrition. this mean that their chance to obtain high paying jobs would also be limited.

- poor people tend to socialize with other poor people while the rich tend to socialize with other rich people. this means that simply throguh their social circle, rich people would have more business opportunities compared to the poor people.

- rich people tend to have more capital in their disposal. this would benefit them in business since it is far easier for them to fund their business operation compared to poor people.