#策略性加码BTC JPMorgan recently issued a candid warning about Trump's "10% cap on credit card interest rates" policy — it seems to protect consumers, but it could actually harm ordinary people.

The logic of the policy sounds simple: limit interest rates to save money for borrowers. But what about the banks' response? Once interest rates are locked in, they can't price based on customer risk. The result is straightforward — high-risk, low-income groups may find themselves unable to borrow at all.

A more realistic scenario is that banks will respond in other ways. Lower credit limits, application restrictions, hidden fee hikes... By then, ordinary people who desperately need funds for liquidity might find themselves unable to borrow a single penny.

Economics tells us that simple price controls often produce opposite results. Either supply decreases, quality declines, or the market shifts to other channels. This time is no exception — credit might flow from formal channels to underground lenders, consumption shrinks, and economic pressure intensifies.

Interestingly, the ones most hurt won't be the big banks, but rather those who rely most on credit support. This creates an awkward paradox: the intention was to help them, but in the end, it pushes them further away.

What do you think? Is limiting interest rates really a solution to the struggles of ordinary people? Or should we approach the problem from other angles?