Tonight, the questions are supposed to be from the people.

Not, that it means that John McCain or Barack Obama will actually directly answer any question clearly.

I’d like to hear a simple yes or no answer to the following question, with a promise if elected, to change the credit card rate cap lower:

Senators, it was just this January that the government pushed a $150 billion economic stimulus package that sent check to Americans to stimulate growth, which obviously, didn’t work. Now, we’ve committed $700 billion more, yet, as much money as the government pumps into the banking system, at low interest rates- the banks don’t pass the savings on to consumers through lower credit card rates.

When people get behind on their mortgage, they often turn to credit cards- and then get caught with penalties and interest rates that can be as high as 29%. Would you support forcing banks that ask for assistance at the Fed’s discount window to cap their interest rates at 19% and replace penalties for over the limit charges with a forced reduction in the consumers credit line, as a way to offer relief to the people on Main Street?

What would you ask?