Low interest rates are good (you could argue) but negative interest rates make it harder to GET dollars to pay back your loans because the value of each dollar

Low interest rates are good (you could argue) but negative interest rates make it harder to GET dollars to pay back your loans because the value of each dollar is more. Imagine if you borrow 200k for a house and when you sell it you can now only get 150k, or if you take a new job and the market for your skills pays 20% less than it used to. Negative rates distort things in weird and unintuitive ways.