And that's why I'm mixed... I don't really disagree with you either. It's one of the few levers that the fed actually has, and it's a BIG lever with lots of c

And that's why I'm mixed... I don't really disagree with you either. It's one of the few levers that the fed actually has, and it's a BIG lever with lots of consequences and fallout. Moving it is tricky (and hindsight is always an unfair place to judge from). But it does feel a bit systemically unfair that we're structuring our financial regulations in a manner that seems nearly hellbent on increasing inequality across the population. That's not really the fed's fault though... I would absolutely lay blame on congress.