Once we're on that path, lower,
simpler rates indeed make sense.
Not exact matches
Indeed, this is part of the appeal of a fixed -
rate loan — you know exactly what your payment will be each month, which make it
simpler to budget for homeownership.
A much
simpler method to achieve negative real interest
rates and provide a disincentive to holding cash, is for governments to encourage mildly inflationary monetary policy;
indeed, this is what Keynes recommended back in 1936.