We are at an interesting point in our economy right now. We are coming off the bottom of a recession, and the stock market which generally leads the economy by 6-9 months is starting to rebound, although might throw another temporary "Tizzy Fit" at any time. And we've thrown, not billions but trillions of dollars at shoring up the banking system, with perhaps a little more on the way. One issue with throwing money at economic problems is that you have to pay for it in the future twice;

• You Have to Pay Back the Borrowed Money
• You Have to Deal with the Inflationary Challenges it Brings

Luckily, we borrowed a boat load of money at the lowest interest rate, but it is still borrowed money. With all that money we are bound to see inflation rearing its ugly head and it will get ugly, meaning to prevent the economy from overheating and building an even bigger bubble than the one that just popped, the FED will move one of its few levers and raise interest rates.

But, it should be quite obvious to anyone that studies consumer buying behavior that regulating the credit card companies, might actually be a better way allow for slow growth of the economy controlling inflation. Let me explain:

You see, if credit card companies slowly reduce credit card limits and demand slightly higher minimum payments then all the credit card holders will spend less. By tightening up consumer credit, which is every expensive and a bad uses of finances anyway, we can control inflation and keep it in check and thus, only moderately and in small increments raise interest rates at the FED.

In fact, looking at the comments on blogs from consumers; it appears to me that the recent credit card rules by Congress, many have a chilling effect on our recovery and could make our recovery very slow, perhaps even hold it out until the year Obama runs for a second term. Could it all be tied in? If so, it is a brilliant political strategy, if not, it was awfully interesting timing.

Weaning the consumer of expensive interest rates and credit cards is a good thing in the long term and if will mean greater savings by all Americans, albeit it also means slower corporate sales grown and a much slower recovery, but it will also keep inflation under wraps. Anyway, those are my thoughts on this topic, do with them what you will.