RE:ManipulationYes there is manipulation but at the root of it all are politicians . Their only purpose is to get re elected . From the minute they get in that is all they do . How are they able to publish an inflation rate below 1% but that is excluding food and energy. What are they using to determine the rate ? Rock salt . When people hear talk about young people now not knowing about inflation it is because few of them under thirty have ever know a time where using money wasn`t practically free . Look at the housing bubble going on . Nobody remembers the last time . Our local Federal rep was elected at 21 . Still lived at home . Young people , in my experience , care little about paying a fortune for Hello Fresh , but they are all over the price of Meghan`s latest get up . No the blame is fully on the shoulders of politicians , not banks . Banks just do what politicians let them do .