Remember the Small Business Administration during COVID? Of course you do. Unless you were in a coma or lucky enough to be on a yacht funded by PPP fraud, you probably experienced the same thing the rest of us did. A complete meltdown of a government agency that was supposed to save small business—and instead buried them under broken systems, outdated rules, and Kafka-level incompetence.

People were losing everything. Restaurants. Barbershops. Tattoo studios. Etsy stores. Hell, even neighborhood lemonade stands probably got flagged. Desperate folks started calling their congressional representatives for help. You know what they said? They laughed. Not because it was funny, but because even they knew the SBA was cooked. I heard one rep literally shook his head and said, "Yeah, we've been trying to talk to them too." Another one straight up told someone, "They're in their own world."

Thousands of legitimate small business owners submitted applications, followed every rule, and got ghosted. Or worse—approved, funded, then suddenly hit with clawbacks because the SBA changed its mind. No appeals. No explanation. Just a cold email saying they owe money now. No, not the scammers. The regular people. The ones who used their loans to keep employees paid or buy supplies when everything was shut down. Those are the ones they came after hardest.