Interesting points on inflation. We have got used to these super low interest rates as being 'normal' as Governments have backed the flow of cheap money over extended periods. From memory short term fixed rates were around or just under 4% when covid first hit in 2020 and cant recall too many people freaking out about rates then? Maybe they did? The RBA cash rate Jan 2020 was 0.75 and last month was 0.10. And yes I understand that even small rises means paying back and borrowing becomes more expensive but if it checks inflation and global casino capitalism for a while then good.
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