That's my point. ZIRP never should have happened. Now we have a bunch of people who think that ZIRP was the norm. The industry's full of people who would not,

That's my point. ZIRP never should have happened. Now we have a bunch of people who think that ZIRP was the norm. The industry's full of people who would not, and could not, have made their fortunes if they had to have gone to a bank to get another loan at 5% to make companies like Uber work. At some point, the answer would have been no, and they'd be just like every other failed business person instead of a member of the Cult of the Founder.