Yes, this is quite the assumption. While the US Gov't is doubling down on Keynesian spending (borrowing money, printing it, keeping interest rates near 0), the

Yes, this is quite the assumption. While the US Gov't is doubling down on Keynesian spending (borrowing money, printing it, keeping interest rates near 0), there is no safe/guaranteed investment (CD) that comes close to 5%. I've hedged myself by investing in "foreign" equities. But this is no where near a steady guaranteed 5%. It's super volatile. Life is a risk. You pay your money and you take your chances.