15 years is a long time and reshaped the entire economy around basically free credit, so any change to that was going to be painful. And one of the real disconnects between economists and regular people is around the term inflation. Ordinary consumers actually care about affordability, not inflation. Raising interest rates to tame inflation does not improve affordability. In fact its goal is to further decrease affordability to reduce demand, which should then cause inflation to moderate. That works fine for economists and policymakers, but for ordinary people that’s more of a bite off your nose off to spite your face kind of solution.