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The fed respond to inflation *AND* unemployment rate, and they respond to their own forecasts of those things.

The fed didn't stimulate inflation by choice. The rates were at 0 for most of the decade and inflation was very low.

Increasing interest rates was a response to inflation -- partially created by QE and stimulus spending, supply chain disruptions, and other supply/demand shifts.

As for how interest rates work: they make borrowing more expensive. There's a bunch of second-order effects from that but borrowing cost and time value of money are the main thing to keep in mind.




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