I for sure I'm not saying that 20% is not sustainable, and that is not the point of the post. Altough I have put some numbers in, to suggest that we are good to go at least for the next five years :)
The main point here is that I wanted to open discussion about how we set the interest rate.... what if from tomorow witnesses decide they put 5% interest rate, becouse they feel that is right at the moment? What if they put 30% .... can we have some priciples upfront? Can we say it is 20% forever?