The credit card industry's interest rate structure has become increasingly problematic. We're seeing rates in the 20-30% range—sometimes even higher—becoming the norm, a situation that's been allowed to persist and expand over time. These exorbitant charges place immense pressure on consumer finances and raise serious questions about regulatory oversight in the traditional financial sector. As we evaluate the broader economic landscape, the contrast between legacy finance's extractive practices and emerging financial alternatives becomes more apparent. Consumers deserve transparency and fairer terms, not endless exploitation through hidden fees and sky-high interest rates.