Should we have different interest rates for different uses?

Creating new money can lead to inflation. Here are some partial solutions I think might help tame the inflation problem a bit.

People talk about the Fed creating different windows for providing money, like teller windows in a bank.

For instance, I think about this related to funding the private sector. Create a window of low interest loans to fund new supply for things we need like housing. Low interest rates if business is building new housing; especially affordable housing, but even just housing in general. There was the phrase "drill baby drill." Now we can have "build baby build." Bring on more supply to satisfy supply and demand.

Another window would jack up iterest rates if the money is used by private investors to bid up the price of existing real estate and assets. A high interest rate for speculators bidding up prices, but not accomplishing new supply.

As for government debt, which is often accused of driving up inflation by creating the need to print money, we do seem to need government. Yes, we can try to make it more efficient, but the big items in government spending are usually off the table, so to speak, for cuts. Medicare, Military, Veterans benefits, disaster relief. Other tiny parts of the budget, like NASA are also important. I like things like advancing science, but even conservatives seem to want "American exceptionalism." If we cut NASA, or something like the Biden Chips program, we could be seading the high ground in STEM to other countries like China.

Speaking of disaster relief, the pandemic is an example of all bets are off. We aren't going to cut now, we do need 3 trillion more dollars to get us through this situation.

How about allowing the government to "lock in" the prevailing interest rate at the time that the spending was authorized?

Before and during the pandemic, interest rates were low. We borrowed on the cheap. Similar to what many homeowners get, can the government lock in low interest rates on past debt; like a mortgage?

Now some folks are worried about inflation. One of the worse examples of inflation during and soon after the pandemic was the rise in home values. I hear close to 20% in a year. Rents going up also. This contributing to what is called housing insecurity for many folks.

We do need to ratchet up interest rates on speculation, but there are things we still need for our survival that could still go to the low rate window.

We need to build more housing for our growing population and economy, but another bank, the Earth, is also limited. Sprawl all over the farmlands of Whatcom County.

Reduce population growth, smaller homes and footprints for each individual. Live like my (Robert Ashworth) lifestyle. It's a trade off between materialism growth versus some aspects of quality in life. Take time for friendships, slow travel and so forth even if it doesn't pay the money bills. One can still enjoy the fruits of advancing technology. Smartphones do have a smaller footprint than the old style vacume tube radios and televisions.