Capping credit card rates without allowing lenders to maintain profitability creates a real problem. When financial institutions can't charge rates sufficient to offset losses and generate reasonable returns on capital, many will exit the market entirely. This leaves millions of cardholders without access to traditional credit options. The inevitable outcome? Consumers get pushed toward predatory lending and loan sharks charging astronomical rates. Restricting pricing in one market segment doesn't eliminate risk—it just shifts borrowers to less regulated, more dangerous alternatives.