Those inefficient people can still be profitable when interest rates are near zero. It's also not the people, more often than not it is the product they are wo

Those inefficient people can still be profitable when interest rates are near zero. It's also not the people, more often than not it is the product they are working on. Some products can only exist when interest rates are low and money is plentiful. A company might have an NFT building division for example that brings in tons of revenue during times of near-zero rates. What do you do with those employees that specialize in designing NFTs when interest rates increase and the NFT market no longer exists? And if you can predict interest rates, then no need to be a CEO, you can make billions just by placing a few trades per year.