Sorry, I was attempting to show a couple of different examples from different perspectives. On the business side of things, it's fairly easy to open a business in other parts of the world compared to here. So that was an example on business freedom. The second point was from the perspective of the average citizen and a financial one. I didn't do a very good job of structuring that.
Show me the credit card that only charges 3.75 to 4%. You can probably get that rate or better on a new car loan or a home loan (gee, i wonder why...) but most consumer debt is around 18% give or take.
Furthermore, the current low rate has more to do with the federal debt, than helping enslave the citizens with new car loans and home mortgages. The reason they are keeping it so low (some would argue it should be a negative interest rate) is to keep the country out of deflation. The people in Washington have painted the country into a corner, and now every American owes about $60,000 (total debt divided by population) or your portion of the national debt. The country is struggling just to pay the interest on that debt, never mind the principal.
Have a good holiday and remember those who served and gave their life for this country.