We haven't even begun to establish a yield curve, The US bond which is basically the risk-free return of the world used to be 7 freaking per cent a year and was as high as 14% - https://www.macrotrends.net/2521/30-year-treasury-bond-rate-yield-chart
Now if you add that to something that has a finite supply, the interest rates on Bitcoin are going to be stupid as Bitcoin is needed to satisfy deals and contracts and labour and settle transactions.
Eventually, it will be milked down but that's why it's important to keep securing those good interest rates now and increase your principle. So when it does find a steady interest rate you still home and dry
I don't take peoples opinions too seriously if they don't understand financial markets at all, but I do like to get the every day opinion just to re-centre myself because I'm way off to the BTC side lol