What a wild take. The straightforward takeaway from the end of ZIRP and the resulting increase in focus would be that you need to say no to more things, not fewer? You have to really contort yourself to argue that actually ZIRP gave rise to an entire class of make-work which then gave rise to a class of folks to keep said make-work under control.

The relevant era wasn't even a good example of (near) zero interest rates. At least when control for inflation. And there are other eras that also had low or even negative real interest rates.