The 'bifurcated consumer' is making this market difficult to comprehend, according to Cramer.

• On Monday, CNBC's Jim Cramer explained to investors the challenge of making broad statements about consumer behavior due to the significant difference between financially constrained and affluent consumers.
• Although high rates may not be beneficial, they are not causing harm at the moment. However, we have a divided consumer base in this country, and until we comprehend this, nothing in this market will make sense, including the inequality that accompanies it.

On Monday, CNBC's Jim Cramer explained to investors the difficulty of generalizing about consumer behavior due to inflation, emphasizing the divide between cash-strapped and affluent consumers.

Although high rates may not be beneficial, they are not causing harm at the moment. However, we have a divided consumer base in this country, and until we comprehend this, nothing in this market will make sense, including the inequality that accompanies it.

If inflation remains a pressing issue, the Federal Reserve won't cut interest rates, and if these rates don't come down, it will cause longer-term rates to go higher, making everything even more expensive for those who have little money, without really impacting the wealthy.

Cramer used the mixed earnings report of the fast-food giant as an example of the consumer divide. The CEO of the company, Chris Kempczinski, discussed how the low-income consumer cohort is a "battle ground" as many trade down to deal with higher costs. The company has been raising its prices recently to offset its own inflated operating costs. In contrast, consumers who are shelling out for products like a new Taylor Swift vinyl or the Apple Vision Pro are not as affected by price increases.

He stated that some aspects of inflation are beyond the Fed's control.

The Fed may be able to control various types of inflation, but the cost of gasoline and food, which are important to everyday consumers, is not within their control. The Permian Basin is responsible for keeping oil prices low, while Costco and Walmart make food affordable for those who cannot afford it.

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