9月20日，为学AI，一位76岁的老人来到北京市马驹桥一产业园附近，准备把钱埋进土里，被民警拦 截。本文图片均由受访者提供 44岁的张琳出国3年，回上海发现母亲的账户里少了30多万元，手机里却多了二三十个App，名字听起 来"高大上"，例如"中国梦""共富工程""碳达峰圆梦钱包""乡基会"。这些App无法通过应用商店等正规 途径下载，母亲在上面"投资"，App账户里数字翻了倍，但始终无法提现。 社交媒体上，许多人像张琳一样在父母被骗经历分享的帖子下面"抱团取暖"。被骗的老人中有退休教 师、公务员、出租车司机，有的见过世面、有一定的知识水平，却在晚年陷入骗局。有人试图总结被骗 亲属的共性，"都是打工人，没体会过创业的不易，才会做发财梦"，但评论区立马有人反驳，"我妈做 生意的，白手起家没日没夜干起来的，依旧被骗"。 张琳母亲的遭遇不是孤例，越来越多刷单返现、冒充客服诈骗开始通过那些"假App"接近老年人。骗子 们精通一套能够击破老年人心理防线的话术。有老人醒悟过来后叹息着说，"我一生比较谨慎，没想到 还是掉进骗子的圈套里"。 北京市公安局大兴分局西红门派出所民警李佳梁告诉中青报·中青网记者，受骗老人被唤醒，有的 ...

Core Viewpoint - The upcoming appointment of a new Federal Reserve Chair by Trump is likely to lead to a shift in monetary policy, with expectations of lower interest rates despite current economic indicators suggesting otherwise [1][2]. Group 1: Federal Reserve and Monetary Policy - The current Federal Reserve Chair Jerome Powell and the FOMC have resisted calls for interest rate cuts, maintaining rates until inflation is under control and economic slowdown is confirmed [1]. - Trump's criticism of Powell includes accusations of incompetence and calls for interest rates to be lowered to 1% or lower, reflecting a significant divergence in economic outlook [1][2]. - The bond market does not support Trump's views, as long-term Treasury yields remain stable, indicating investor confidence in current rates and inflation expectations [2]. Group 2: Economic Indicators and Debt - Current U.S. inflation stands at 2.4%, above the Fed's target of 2%, with significant volatility, while the economy maintains a state of full employment [1]. - The Congressional Budget Office (CBO) projects that Trump's proposed "Big and Beautiful" bill could increase U.S. debt to 130% of GDP by 2034, a historic high [3]. - Rising interest burdens on debt are expected to consume nearly 25% of tax revenues by 2035, surpassing expenditures on healthcare or defense [3]. Group 3: Potential Policy Responses - Various options to address the debt crisis include promoting economic growth, which the CBO estimates will yield minimal GDP growth from the proposed legislation [3][4]. - Direct default on debt is a potential risk, which could destabilize the global economic system, while tax increases are politically unlikely [3][4]. - Proposed "MAGA monetary policy" could involve lowering short-term interest rates below 1% and initiating quantitative easing to manage debt interest payments [4]. Group 4: Investment Implications - The anticipated "MAGA version" of the Federal Reserve may lead to a scenario of high inflation combined with artificially low interest rates, posing risks for traditional bond investors [5]. - Investors are advised to consider Treasury Inflation-Protected Securities (TIPS) as a hedge against potential inflation and low returns on standard bonds [5].