That is a very complex question.
Frankly, the key interest rate is only one instrument. Your question involves a number of objectives.
Our first objective is to maintain a stable inflation rate. If the inflation rate remains at 2%, the rest of the economy is in balance. We have achieved the best of everything while keeping the inflation rate stable. The inflation rate influences everything else.
Indebtedness is something else. The indebtedness has accumulated over a long period of time. Our way of resolving it is to keep the economy in balance. It will then take time for everything else to adjust.