Central banks have spent down their credibility

what reduces my trust is the lack of planning between fiscal and monetary policies. why didn't the government raise salaries of teachers, nurses, etc. when central banks started doing quantitative easing?

Fluctuating interest rates whipe out home owners in the most sought after places - with an upwards of 20x leverage when buying a house and direct exposure to interest rates, some people are really exposed.

move fast and forcefully regarding central bank interest rates seem catastrophical to me.