Not denying that at all. But this wasn't laid out in the GP comment, which contrasted people from the "before" time and the "have-nots" in a higher rate environ

Not denying that at all. But this wasn't laid out in the GP comment, which contrasted people from the "before" time and the "have-nots" in a higher rate environment. There are many other things about the mid-2020s that differ from the 1990s, but interest rates alone are not a determinant of someone's lifetime economic trajectory.