ZIRP is basically still a major factor. The cancer of ZIRP was with us for literally a whole generation, that is not simply just undone by stopping the consumption of the carcinogen.

Unfortunately for the majority of people, there are effectively zero good outcomes from any of this. Just like none of the previous promises and assurances of how {insert technology} would make things better for everyone, while always turning out to only benefit a few; so will the current lies of the same pattern result in the same output.