The problem is higher than zero intrest rates the free money dried up where before all the platforms were chasing infinte growth and free money meant they could

The problem is higher than zero intrest rates the free money dried up where before all the platforms were chasing infinte growth and free money meant they could run deficts as long as they grew they now need to make a profit now that debt costs money plus investor cash got sucked away to Bonds, CDs, and money market accounts giving a safe 5-7%. This is why every service went to shit at the same time in the past year.