$37.6 Trillion is not a number. It is a ceiling on your freedom.
We have officially crossed the event horizon: 124% Debt-to-GDP. At this level, "positive real rates" are mathematically impossible.
If the Fed keeps rates high, the interest expense bankrupts the Treasury. If they cut rates, inflation rips.
They are trapped. The CBO trajectory to 156% guarantees a future of Financial Repression, where rates are pinned below inflation forever to burn off the real value of the debt.
Your savings are the fuel for their fire.