It’s not a straw man. I understand we’ve have been in low interest rate environments for a long time, but access to capital is no longer free and likely won’t b

It’s not a straw man. I understand we’ve have been in low interest rate environments for a long time, but access to capital is no longer free and likely won’t be for a while. Companies now do (and will continue) to go under due to lack of access to capital markets. One Medical is actually probably one of the top examples of that kind of company. It would be very hard for them to issue new shares or raise debt to fund their operations. And to the health and happiness of humans point, a bunch of people losing their primary care doctors is again, one of the top examples of bad social outcomes from a company going out of business.