 If anything, Wall Street existed well because of zero interest rates. And Wall Street is more and more in turmoil now because of interest rates that are 5% and higher. Normal economic times are 4% to 5% interest rates. Now, follow along with me here. This isn't that complicated, but you've got to understand it. A lot of people on fixed income for a long time relied on CDs and interest-bearing accounts where they could get 5% or 6% investment guaranteed just by virtue of having their money parked somewhere safe.