Credit card rate caps might sound like consumer protection at first glance, but the analysis suggests otherwise. Johnson's take pushes back on this policy direction, arguing it's not the solution people think it is. When governments cap lending rates, the actual outcome often contradicts the original intent—less access, tighter lending standards, and reduced market competitiveness. It's a familiar pattern: good intentions, unintended consequences. The conversation matters because similar regulatory logic eventually seeps into crypto and financial markets. Understanding how traditional finance handles these constraints gives us perspective on what might come next for digital assets.