Bidenomics started hurting the middle class by exempting CC companies from basic economic principles.

The one time he did have "vision".

Knew they were gonna force the issue of cards to unqualified minorities , KNEW they wouldn't pay, had to surpass the Mob's usury rates to have the decent working folk pick up the slack, and make JP MORGAN even richer.
(It's why half the banks are incorporated in that tiny little state)