Billionaire investor Bill Ackman just floated a pretty wild idea to tackle the mortgage crisis: what if we made it costlier for borrowers to pay off their loans early? The logic is counterintuitive—restricting early payoff options could theoretically lower rates upfront by reducing lender risk. It's the kind of unconventional thinking that stirs debate in financial circles. Whether this approach would actually work in practice is another story, but it highlights how traditional finance is wrestling with rate pressures. For crypto investors watching traditional markets, this kind of policy experimentation shows why macro conditions matter for portfolio positioning.