Washington gridlock? Maybe not on these personal finance issues

Who would have predicted two years ago that free credit freezes would become the law of the land after the Equifax hack, with business-friendly Republicans controlling Congress? Or that a $350 million fix for the troubled federal public service loan forgiveness program would emerge even as the White House proposed killing off the program?
Because Washington is so unpredictable these days, we see no reason to give up hope that sensible efforts to improve the personal finances of millions of people might somehow bear fruit.