Canada faces a financial education problem. Policymakers and the public alike often fail to grasp the long-term consequences of low interest rate policies, deficit financing, and regulatory stagnation. Tiff Macklem has acknowledged the need for fewer domestic regulations—something absent from the agendas of his predecessors. Yet even he is constrained by political realities. With debasement of the Canadian dollar effectively baked into the system, Macklem’s decisions are less about preventing the storm and more about managing its impact.