> your chump-change investments being lent out doesn't matter.

Who is to say my investments are chump-change? What's with the derision? I'm under no obligation to help broker-dealers make money off of lending out my shares, especially if those shares are being used to short the companies I'm invested in.

If retail investors DRS'd more of their long-term holdings, it absolutely would matter and have an effect on shares available to hedge funds to short.