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@sephkilla What I'm stressing perhaps poorly, is the data isn't homogeneous. The borrowing landscape has completely changed and boomers have failed to accept that. If you believe a 15% interest rate is normal, then we'll surely return to that rate yes? No ofc we won't as it'd completely collapse...

@sephkilla But you're saying that assuming the interest rates 30-40 years ago were normal? You have 0 evidence to prove the last rates were normal and the "low" rates were indeed low. Perhaps historic rates were high and the recent rates were normal? Ultimately interest rates aren't high or...

@wore Mate I wouldn't bother with this lot, so I'm this one comment almost every single comment from other people are incorrect lol