I disagree. People will remember this and make irrational decisions based on these memories for years. For comparison, the Great Financial Crisis still looms

I disagree. People will remember this and make irrational decisions based on these memories for years. For comparison, the Great Financial Crisis still looms over us so much that people still anticipate another huge housing burst. And when companies like Ford announce that they aren't using FICO scores to determine if a person qualifies for a loan, people on websites start fearmongering about another sub prime lending crisis.