### Comment:
Just for your risk free point: [https://www.crestmontresearch.com/docs/i-rate-10-yr-yield.pdf](https://www.crestmontresearch.com/docs/i-rate-10-yr-yield.pdf) . Thats a first source for you. Inflation wasnt 'low' by any means in 1980s. And while the spread was the highest there the text under diagram explains it pretty well. On top of that one can consider that peroid an outlier and not representative of what one should expect under normal circumstances

### REPLY:
For your homelessness point: [https://endhomelessness.org/homelessness-in-america/homelessness-statistics/state-of-homelessness-report/](https://endhomelessness.org/homelessness-in-america/homelessness-statistics/state-of-homelessness-report/)  
  
 Homelessness actually decreased significantly between 2007- and 2018 which disproves your second point as well

### END.