Central banks raising interest rates to fight inflation is like using a sledgehammer to crack a nut. Sure, it cools demand, but it also crushes small businesses and makes mortgages unaffordable for first-time buyers. I run a small cafe and my loan repayments have jumped 40% in two years. Are policymakers really weighing the human cost of these blunt tools, or just chasing a target that benefits the wealthy who hold cash?