Regulation and government programs are supposed to protect the consumer and empower the market. Too often, though, they favor big, incumbent businesses. They require things like bonds, copious paperwork, and multiple layers of review. They are too expensive and time-consuming for small builders, small businesses, and homeowners. Programs politicians told us would create opportunity for everyone instead create opportunity for big incumbents. The young, immigrants, people who work with their hands — “makers”— suffer particularly. Such suffering is unjust in a system that is supposed to create opportunity.