With the current key rate, the stratification between the richest and everyone else is increasing. The government's reduction in social spending, the increase in housing rates and community services at a record pace and the non-payment crisis increase the debt burden on the population and companies. If service debt continues to grow at this rate, service organizations will be dragged deeper and deeper into the credit trap due to massive defaults. People whose paychecks are delayed are increasingly forced to take out loans - and their real expenses go up in addition to the interest rate. On the other hand, there are those who have free money. They go into deposits. In the current design of the Russian economy, the most profitable is not production, but banking capital, which makes money from loans. The profit here is created not by creating a product, but by worsening the situation of those who are forced to go further into debt. The economic spiral is closing: a sharp interest rate cut carries the risk of a strong acceleration of inflation. Endless horror or terrible ending. What do we choose?