Of course not , low interest rates definitely don ' t incentivize borrowing , at all . sThe rate of borrowing will be higher with low interest rates than with high interest rates , it ' s just that it will be extra high with low interest rates and loan originators engaging in fraud . But the rate of loan origination that would have prevailed without fraud still would have been unsustainable , with interest rates so low for so long , and when that rate declined the resultant decline in AD would have caused a crash and recession . <| sep |> Thank you ! It ' s sounding like the DW kit is a good idea if I can ' t manage to snag a practice space nearby . <| sep |> Eddie gonna run that table four times , cast and all <| sep |> That is too cute ! ! Though every single morning has to get old quick . At least your kitty is happy !