This article analyzes the dangerous problem of credit crunch and enormously difficulty in finding finance for small businesses. Highlights the role of government regulations in creation and worsening of this problem. Bring into focus the non banks financing options for small businesses, emerging out as new entrepreneurial solutions to bypass the adverse effects of government regulations on banking industry.

This article analyzes the notion of “helping the poor”. Provides a historical perspective. Compares freedom and opportunity with dependence and welfare. Examines the roll of government interventions and regulations in rapidly growing gap between rich and poor. Reminds the readers that our Capitalist economy was able to make this gap narrowest, ever, in human history while creating the biggest and richest middle class, ever.

There is an increasing level of financial uncertainty amongst the citizens of the US, a situation which is not helped by indecisive government or an inherent absence of concise fiscal planning. As the federal government continue to debate the details of spending cuts for the coming fiscal year, so too increasingly inappropriate financial fees and charges are being applied to everyday functions, serving only to make a a difficult existence even more troublesome for family units and individuals of the numerous states.

Put simply, a disproportionate burden of the nations debt is been placed upon the shoulders of ordinary citizens, with the inevitable consequence that they are finding it difficult to manage their finances. It is a frequent but distasteful corollary of many recessions, whereby an issue caused in the main by irresponsible government expenditure or lending becomes an issue for the people, leaving them to face economic constraints amidst rising unemployment and social hardship.

Rising ATM Fees in the US

An example of the everyday expenditure issues are hindering the citizens of the US can be witnessed through rising ATM fees, which apply to non customers who use a machine outside of their network. These fees have been in existence for some time, but their continued rise is at odds with the current financial situation facing most of middle class society. Quite aside from the timing, there is a separate issue concerning the methodology utilized by banks and financial organizations, especially those who retain a large amount of ATM’s within a small geographical area.

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