What else happened from the 80s onwards...? The interest rate from the FED was around 20% at that point... it has slowly dropped to zero or even negative.

In order to print money to stimulate growth and allow the banks to keep control and reduce inflation.. money needs to be lent out rather than handed out. We're reaching the apex of this paradigm.

Where do we go from here? We can't reduce the interest rate anymore? neither can we raise it, everyone's in an excessive amount of debt.

It's all a house of cards. I think you've accurately presented the symptoms... but the root cause is really down to believing in an economic system based on nothing but lies and deception.

It's the monetary system that's going to cause our ultimate downfall. Everything else is just a symptom.