Despite initially raising the federal funds target late last year, and forecasting four rate hikes in 2016, the U.S. Central Bank may actually wind up reversing course to boost the economy and spur inflation. Low lending rates are critical to the success of the housing industry, because they keep payments reasonable for prospective homebuyers. In fact, one MarketWatch reporter argues that if more Americans knew about this, the government would have to shell out an extra $10 billion annually.