Kids these days will never appreciate the insane math skills it took to split a dinner bill between six friends who all ordered different things and were carrying nothing but cash.

Today, it’s never been easier. One guy picks up the check, and everybody else Venmos him. You can also PayPal your tattoo artist, use Cash App to donate to a buddy’s GoFundMe, or settle accounts with your kids’ babysitter on Zelle.

That’s what tech innovation is supposed to do: take an aspect of life that was awkward or difficult and make it totally frictionless.

During his four years as president, Joe Biden tried his hardest to put the breaks on this financial technology revolution. If the Biden administration had its way, all those simple, everyday transactions would’ve come under the watchful eye of Washington bureaucrats. (RELATED: Senate Democrats Join Republicans To Approve Major Trump Campaign Promise)

Under Biden, the Consumer Financial Protection Bureau, which is already arguably unconstitutional as it is, tried to extend its power even further by regulating payment apps the same way it regulates banks. If successful, this would have meant new, heavy rules on how these apps operate — slowing down transactions, raising costs, and adding piles of red tape. The CFPB’s objective? Turning simple transactions into a bureaucratic nightmare so that the American people would use Venmo and Cash App less and the U.S. dollar more, giving the federal government more control over the U.S. financial system.

And that’s on top of the IRS’s 

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