So the old adage," You can only get a loan if you can prove you don't need one " I'm disappointed to report, is alive and well here in 22.  It's an even sadder situation that crypto, blockchain, or DiFi have yet to solve this tiny problem. To be clear, that would be, the ability or at least the possibility of someone like me being able to obtain a small crypto loan for whatever purpose with a relatively reasonable amount of bullshit to deal with. By bullshit I mean, without ridiculous over-collateralization, endless forms, reviews, background checks, or openings of my financial Kimono dating back to the third grade.  All just to say nope!  No soup for you buddy!                                                                                                                           Perhaps my expectations for these new and groundbreaking technologies were far too generous, or maybe the bar set too high from the very beginning.  Honestly tho, I thought the crypto and blockchain whiz bangs would have long ago figured out how to make money by helping those who may need the help the most. There are millions upon millions who could benefit from the ability to equally participate in the crypto ecosystem. Otherwise, all that you are building is copy of a copy financial system where the fact of the matter is, that 30.4% of all household wealth in the United States sits with the top 1% of the population while the bottom 50% of the population combined holds just 1.9% of all wealth.                                                                                                                                Really? Can someone please tell me what in the hell is the point of that?  It's nothing, it is pointless and puts us not one step closer to a place where anyone and everyone can join in a thriving and vibrant economy.  Where there are no barriers to anyone's inclusion.  Not their geographic location, nationality nor color, their gender, their past, their beliefs nor their varied personal situations are what determines their ability to participate, to take their seat at the table at any given time, and make their contributions and benefit from a system built on, and for inclusion.  think it a worthwhile endeavor to dig a little deeper, as I'm sure I've only scratched the surface here, Hopefully, I'll find some small rays of hope, some sign that this isn't just the same old driver in his new shiny car.