Credit card interest rates have become a focal point in financial policy discussions. Current rates hovering at 28%, 30%, and even 32% are drawing scrutiny from policymakers who view them as excessive. The push for regulatory caps, specifically at the 10% threshold, reflects growing concerns about consumer debt management and fair lending practices. These rate structures significantly impact household finances and consumer spending power, which indirectly influences broader economic conditions and asset markets. The debate around interest rate regulation highlights the tension between lender profitability and consumer protection in traditional finance—a dynamic that also resonates within the crypto and Web3 space as it seeks to establish its own fair lending and yield mechanisms.