Minus the"great reset" part, I agree that the goal of the government is to have you spend more. At its core, if the federal reserve turns down the interest rate = borrowing money is cheaper, turn it up = borrowing becomes expensive.

So, if spending is down, they lower interest and let folks borrow more (savings rates will follow suit, hence not good for saving and hopefully you spend instead). If spending is high, they will turn up the interest knob so borrowing becomes more expensive and hopefully slows spending and savings start.

The goal is to find what's the right setting on the knob to keep inflation down but people still spending.

I very strongly agree with your point about creating a margin. One lesson many folks should take away is to have an emergency fund to buy you some freedom from the next paycheck or two. Ideally, 3 months is a good goal, next is 6. If that's to hard, One study I read notes that a good base e-fund goal should be $2346, from there just keep going.

Lastly, if you are trying to find a decent interest rate - online banks are the way. Discover Bank ftw! From there, Treasury I Bonds are pretty good interest at the moment (7.12% but subject to adjust every 6 months) but are limited to 10k max purchase per year abut if you pull before 10 years, you'll eat a three mother interest penalty. (Eg, in for 18 months but cash out, you'll only receive 15 months worth of savings). Not a bad price to pay when the interest is great!