Honestly, borrowing costs aren't coming down anytime soon. Central banks have kept rates elevated for way too long, and frankly, it's becoming a drag on everything—from traditional markets to crypto capital flows. People are sitting on cash, yields look decent on boring stuff, and that naturally pulls money away from higher-risk assets. The disconnect is real: rates stay sticky at these levels, inflation's stubborn, and nobody's seeing that sweet spot of lower borrowing costs we desperately need. Until monetary policy actually pivots, we're stuck in this holding pattern where growth struggles and risk appetite remains cautious.