PremiumOpinionOpinion byConor EnglishNZ Herald·31 Aug, 2026 11:00 PM5 mins to readConor English is a former independent adviser to the Reserve Bank on the Monetary Policy Committee, former Federated Farmers chief executive and a director at Silvereye government relations.Reserve Bank Governor Anna Breman pictured in the bank's Wellington boardroom. Photo / Mark MitchellConor English is a former independent adviser to the Reserve Bank on the Monetary Policy Committee, former Federated Farmers chief executive and a director at Silvereye government relations. Why do things cost so much? Will raising interest rates make them cheaper?

The first is a question that every household