When policy makers push to slash credit card rates, there's more than meets the eye. House Speaker Mike Johnson recently flagged a potential downside to the administration's drive in this direction—it could backfire economically. The reasoning? Lower rates might sound good on the surface, but the ripple effects through the financial system could be messy. This kind of macro policy move always matters for investors watching the broader economy, especially when traditional finance shifts shape how capital flows and risk premiums get priced across markets.