Whining about uncertainty is the signal that capital has run out of things to complain about.
http://www.nytimes.com/2010/10/22/us/politics/22chamber.html...
The CoC is the largest lobbying organization in the US and >90% of its advertising during the 2010 election cycle went to support Republicans or attack Democrats.
This American Life recently did a segment on it (Act 2):
http://www.thisamericanlife.org/radio-archives/episode/417/t...
The interest rate excuse made me think we should guarantee at some level access to capital to all businesses (at risk relative rates of course).
Personally, I don't think debit is always a good thing. I mean, if I had access to loans, rather than spending the last five years building up a ramen-profitable business, the mistakes I made would have put me through bankruptcy at least twice. Maybe more, if you charged enough to be profitable.
Personally, I think businesses, like individuals, should largely live within their means.
I agree that people shouldn't over extend. I was just oversimplifying my argument.
This, I think, is the problem with the "microfinance" industry. Either you are losing money on the loans or you are charging rates that make success much less likely for your customers.
I think that if you could scale-down something like ycombinator to handle local businesses, that'd work a lot better. that way the person who needed the capital doesn't end up with crushing debit, and the investor gets a cut only if the business succeeds.
"Uncertainty about future business regulations is causing us to hold off on major hiring and investment decisions for now."
"Wuss!"
It is more a matter that the world financial system is serious turmoil. The value of the dollar, Euro or other currencies could fluctuate quite a bit as could the economic climate.