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NEW YORK ( TheStreet) -- The market's divided between the haves and the have-nots, Jim Cramer told "Mad Money" viewers Wednesday. With the distance between the two groups growing, it's only a matter of time before the have-nots become cheap enough to buy. Cramer explained that among the companies that can do no wrong are those with declining costs in environments where they charge more. He said that drug stocks are among this group, as are consumer stocks including Coca-Cola ( KO). Everything from the price of plastics and natural gas, to oil and gasoline to labor is falling in America, which means that all of these savings flow right to the bottom line. Even appliance maker Whirlpool ( WHR) is seeing relief in the way of decreased competition, making it among the must-have stocks. On the have-not side of the equation are the banks, said Cramer, a group that continues to battle lawsuits and fight the Federal Reserve with low interest rates. Even if a bank does post a good quarter, he said, it's quickly dismissed by investors. Technology is also among the hated stocks, noted Cramer, with stocks like Intel ( INTC) drawing yawns from investors and, of course, Apple ( AAPL), a stock Cramer owns for his charitable trust,