Among the reasons why they are so high including government borrowing, taxes on credit, and lack of competition in banking the most powerful may be sheer inertia.
But, as Chairman Bernanke emphasised, that will require some difficult decisions by politicians, including a credible plan to low federal borrowing long-term, without hobbling the recovery next year by withdrawing the stimulus too quickly.
But it generated a long list of consequences, including massive credit expansion, large local government borrowing, asset bubbles, potential nonperforming loans and overcapacity in some infrastructure areas.
Though the rise in rates is likely acceptable to the Federal Reserve as long as it is accompanied by a durable economic recovery, it will increase borrowing costs for governments and individuals, including home-buyers.
Mr Jones said he had also discussed other matters with the Prime Minister including "Wales' funding situation, in particular borrowing powers" and the progress of the Silk Commission, which is currently looking at whether Wales should have some degree of tax-varying powers.
BBC: Welsh assembly voting: Carwyn Jones meets David Cameron
Why are we borrowing enormous amounts of money from foreign countries, including China, to finance explosive growth of government payrolls and programs?
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Across Manhattan there are many observers--including Bear Stearns senior officers who are in dire straits from borrowing money on the shares they never sold and face financial ruin.
As a result, the Soviet Union will not only be a participant in all bank decisions, including the selection of bank fund recipients, it will enjoy borrowing privileges.
Having ticked off one purchase on his London shopping list, Mr Salmond is likely to renew his focus on other items - including control of corporation tax and alcohol excise duties along with wider borrowing powers.
The cost of borrowing for some of the eurozone's largest economies, including Italy and Spain, has shot up in recent months as lenders fear governments will not be able to pay back money they have already borrowed.
Most hospitals, including public companies like HCA Holdings, Inc (NYSE:HCA) track productivity by borrowing from the RVU system that Medicare uses to set reimbursement rates.
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Total household debt including mortgage, student, credit-card and auto loans has fallen by roughly 10% since borrowing peaked in mid-2008.
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