If you don’t borrow at ribis, you won’t have this problem. There is no law against living frugally and saving up money for things before buying them.
The government’s idea is that by raising interest rates, consumers will cut back on consumption (drive older cars, live in smaller houses, wear older clothes, skip out of town vacations, etc.), which will lower demand, and result in lower prices. In other words, if you are suffering, it means the government is succeeding in what it is trying to do. Congratulate Brandon and the Congress in doing what they set out to do.