Lower interest rates are generally caused by loose monetary supply which has been the case up until the last several months. That looseness ultimately eats away

Lower interest rates are generally caused by loose monetary supply which has been the case up until the last several months. That looseness ultimately eats away at the middle class, they end up paying the "interest" in the form of reduced purchasing power. Those who have enough can invest in assets which gain value as a result of said loose policy. Those who cannot either find higher paying jobs or suffer the loss of standard of living.