One policy proposal is drawing serious attention: capping credit card interest rates at 10% for a year. On the surface, it looks consumer-friendly. But dig deeper and you'll spot the real dangers lurking beneath.

Consider the broader context. The dollar has already weakened roughly 10% over the past year. Now layer in aggressive rate caps on credit instruments, and you're looking at potential financial instability that could reshape the entire banking landscape by 2026.

When interest rates get artificially suppressed, banks face squeezed margins. This cascades into reduced lending capacity, tighter credit conditions, and forced portfolio adjustments. Some institutions—especially smaller regional banks already struggling with deposit flight—could face existential pressure.

For the crypto and fintech ecosystem, this matters enormously. Traditional finance stress often translates into capital flight toward alternative assets. Whether that benefits or destabilizes the broader economy remains an open question worth monitoring closely.