whenever we have some extra money, the government raises the interest rates to take it away. They call it “fighting inflation” but in reality it’s rigging the system against the middle and lower class

Just out of nowhere it is decided that mortgages, student/personal and credit loans all got raised by a few hundreds per month. That's our hard earned cash disappearing from our accounts because it was deemed that we have too much of it, we should have the bare minimum to keep slaving away serving the elites and to keep the economy going. why no one figured a better way?