I don't understand what your DCF example is supposed to illustrate. A higher interest rate also enables wealthier people to stay wealthy without doing anything.

I don't understand what your DCF example is supposed to illustrate. A higher interest rate also enables wealthier people to stay wealthy without doing anything. Meanwhile, Wework and similarly useless companies circulate wealthy investor's money into regular people's pockets by renting out office spaces at a loss. For the most part, I don't think low interest rates are a bad thing (though I don't think that they should have ended quantitative tightening prematurely in 2019). I share your sentiment that too much money is circulating around, but I don't blame the Fed. They have no way to stop Wework from receiving cheap cash without hurting useful small businesses. IMO, if Congress weren't so bad at balancing a budget, the government wouldn't have to issue so much debt, and in turn the Fed wouldn't have to buy so much of it back to achieve a similar effect with QE.