Just curious, what do you mean by 'free money'? Most loans I've seen over the last few years vary from anywhere between 2.5%+ (houses) to 17% (credit cards).

Just curious, what do you mean by 'free money'? Most loans I've seen over the last few years vary from anywhere between 2.5%+ (houses) to 17% (credit cards). I don't think anyone would think of those as 'free'. I would think the interest rates going up would actually encourage people to save more.