Ever notice how the financial system feels like it's designed to punish the people who need help most? Two economics professors just dropped some truth: folks drowning in debt or juggling unpredictable paychecks that barely keep the lights on? They're the ones getting squeezed hardest. And here's the kicker—traditional finance companies know this. They've built entire business models around exploiting that vulnerability.

Think about it. Overdraft fees when you're already broke. Interest rates that compound faster than you can catch your breath. Predatory lending dressed up as "financial services." The system isn't broken for everyone—it's working exactly as intended for those profiting off desperation.

Makes you wonder if there's a better way to build financial infrastructure, doesn't it? One that doesn't treat struggling people like ATMs.

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