The fed funds rate was 2% just a few years ago, it was 5% in the mid 00's and was rarely below 5% before that for decades. Also, it needs to be paid back. On t

The fed funds rate was 2% just a few years ago, it was 5% in the mid 00's and was rarely below 5% before that for decades. Also, it needs to be paid back. On top of that, they are in a competitive market where mortgage rates are very low, corporate lending rates are very low. So it's not a simple game of "free money in, high interest money out". Anyone who thinks finance is some easy game hasn't played the game.