Interest rates are killing people's wallets, no argument there. Credit cards eating into paychecks, loans draining savings—it stings. But here's the thing: when you just slash rates through executive orders without fixing what's actually broken, you're slapping a band-aid on a bullet wound.

Yes, lower interest rates feel good in the short term. Your monthly payment drops, borrowing gets cheaper, money flows easier. But artificially suppressing rates without addressing the root causes? That's how you end up with inflation spiraling, currency instability, and a whole new mess down the road. The market needs real solutions, not policy shortcuts.