Without insurance no bank will give a mortgage so the rate charged is not the block here.

totally get that...and it still doesn't help! Makes it that much more unattainable for young people to buy anything.

He is fighting two fronts right now that require opposite actions. Inflation calls for higher rates, recession calls for lower rates. Choose your poison. Powell isn't the problem. Trump tariffs are the problem. The economy is paralyzed with uncertainty and that applies as well to the Fed.