https://www.siliconvalley.com/2021/12/10/restaurant-bailout-fed-should-invest-in-gift-cards/ > The Federal Reserve should stop buying mortgages and put their cash into restaurant gift cards. > The housing market has gotten enough help from the nation’s central bank — perhaps too much considering the bubblish-pricing we’ve seen. The Fed has used every tool it has to keep mortgage rates at historic lows, well below where they should be. That aid includes buying over $1 trillion in mortgages.