That's a good point. Banks are not bad things, it's the people running them. I remember in 2007 seeing 120% mortgages, complete fooking madness.
I also think this will be a good long time as well, seems to have really annoyed a lot of people. The days of easy money could be numbered and instead of easily earning 20% on crypto, we might have to get used to 5-10% per year the same as the stock market are precious metals but it will be a safer space for sure.
I hope we have a couple more bull runs before it settles into that type of market. :) I'd like to position myself a little better for those kinds of rates. Yeah, those balloon mortgages were nuts.