Credit card interest rates hovering between 20-30% and beyond have been a persistent pain point for consumers, with little relief in sight. The affordability crisis in traditional finance is real—millions struggle under predatory lending practices that seemed to flourish unchecked. With renewed focus on financial reform starting January 2026, there's growing momentum to address these systemic issues in banking. This is exactly why many are looking toward decentralized finance alternatives that offer greater transparency and fairer terms. The gap between traditional finance's exploitative rates and emerging financial solutions has never been more apparent.