I beg to differ on the normal people at prime rates. There are definitely many many people who got mortgages at 2.65% for 30 years and many many people who rec

I beg to differ on the normal people at prime rates. There are definitely many many people who got mortgages at 2.65% for 30 years and many many people who received auto loans at 2-3% from a lender unsubsidized from the manufacturer. I think it's totally insane from a lender point of view to lock yourself in for 30 years at 2.65% and makes very little sense.