Very astute viewpoint to consider as we continue to cycle through technological innovation that moves us from the industrial economy to the sharing economy and sustainable economy. The view that capital, once scarce and challenging to get becomes accessible through the democratization of funding platforms, will remove start up barriers for entrepreneurs. This coincides with the macro-trend of disintermediation or unbundling of the corporation and doing away with long term employment with one company. It makes sense then that lending money will have less value over time and the market have more capital available to more entrepreneurs making ”a glut” of money if you will, hence driving down interest rates all over the board. The logical outcome is to take that money and create shareholder value that bouys investment into companies.