It has to be great to have a model that's never wrong because you just have to wait enough. Not very scientific but great.
Hum... There are plenty of threads about housing here on HN and conversations about people becoming homeless after a disease, or bankrupt due to education costs.
If you want to claim the US hasn't have a large amount of inflation on the last 30 years, you'll need some data that doesn't ignore those.
Anyway, if you are not going to use the official indicators of inflation there is not point in discussing anything. I could tell you that my indicator is computing process per dollar and claim a terrible deflation.
On nearly any other country, you won't find people claiming "you have some guys that predict inflation for 30 years and are always wrong", because their non-misleading numbers almost always have some period of high inflation on the last 30 years. But if you have some other one in mind, it will be interesting to look at it.
> somehow I doubt there was not people becoming homeless, after a disease, in the USA, 30 years ago
Take a look of healthcare expenses there compared to personal income going back those 30 years. If you still think it was as easy for a person to get bankrupt by them back there as it is now, well, I'm curious about your analysis.
That doesn't change the fact that it doesn't address the problems that a negative interest rate would solve.