Interest rate caps on credit cards and banning institutional buyers from single-family homes might sound like help—but what if those policies shrink access, reduce construction, and create new problems? In Episode 71, Steve Gibson explains why price controls usually backfire—and why consistency matters.

In Logic Dictate Hot Topics — Episode 71, host Steve Gibson takes on two headline-grabbing policy ideas: capping credit card interest rates (APR) and restricting institutional/industrial buyers from purchasing single-family homes.

Steve argues we should be consistent: if we recognize why rent control often fails in places like New York City or Minnesota, we should also be skeptical of price controls applied to credit markets and housing demand.

Key points discussed in this episode:

• Why credit card APR caps can reduce access to credit (especially for higher-risk borrowers)
• How credit card pricing reflects risk, defaults, and market competition
• Why banning institutional buyers may reduce demand signals that support new construction
• The difference between solving housing with more supply versus restricting buyers (demand-side fixes)
• Why “creative” policy is fine—but price controls almost never work the way politicians promise

This episode is commentary and analysis—not financial advice—and it’s built around a simple theme: good intentions don’t override economic reality.

📘 Learn more about this philosophy in “Logic’s Dictate” (sci-fi political thriller):
https://www.logicsdictate.com

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