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Act in your own best interest, that's about all you can depend on. If you think interest rates are low enough in fiat, get loans there. If you think your Bitcoin should be held by someone else so they can give you fiat, it's your choice although IMHO a bad one.
If I take a loan overs 20 or 30 years, interest rates are irrelevant. The amount I'll pay back overall will be worthless in purchasing power terms.
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Hard to see how the price you pay for money is irrelevant. This just means you think interest rates are a steal.
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