If a temporary 10% credit card APR cap became real, who gets hit hardest?

WILL NEVER HAPPEN JUST LIKE CC LATE FEE FROM 40 TO 8.00 JUDGE WILL ALWAYS TROW IT OUT SINCE IT HURTS THE BANKS AND THE ELITES

It will hit those who have emergencies come up and no longer have a credit card because the card issuers can't charge a rate commensurate with the risk associated with those in need of credit. So instead they'll take out a car title loan, lose their car, and be in a worse spot than if they had a 29% APR credit card.