The central bank lowers interest rates to encourage loans. Loans are a double-edged sword; if used well, they can help life take off. Most successful people borrow money or take out loans. Without enough wisdom and ability, borrowing to invest can lead to disaster. In the cryptocurrency world, it's estimated that half of the people who made money from trading borrowed money. For every one success, there are 99 people who lost money, living in a state that's not quite human or ghostly, with normal life gone.