Money flow chain 1.0: Fed(rates)->Bank (interest)-> Consumer(Credit). Timy to pay it back 2.0 : Consumer(Credit)->Bank (interest)->Fed(rates). we have steady 1.0 <->2.0 interaction. But. When Fed gives no money. banks cant close holes of fault credit mass. means bank gives no more credit , but banks wanna money from Consumer back. Consumer cant pay money back, couse fed increased rates which his Firm/Company cant pay = bancwupticy. Jobless Consumer cant pay credit back, loses his House through Forced selling and gives it for peanutes to bank. Bank keeps this house waits couple or even 5 years till prices go into heaven - and sells it again to Cosumer. Pigish behavior will you say? Wellcome to capitalism and demoNcracy.