Do you want cash or revenue generating assets? Bitcoin standard argues that in bitcoin land you would prefer revenue generating assets because bitcoin is different. I'm saying you would always prefer revenue generating assets, even more so with fiat since "cash" has a negative value over time.

I think you talked me into talking myself into changing my mind. 0% rates are dumb with hard money. All loans need to compete with equity stakes, so rates should stick around the level of productivity growth through new technology.