"which lead to growing unemployment"
unemployment is falling BG - stats last month showed Australia is nearing structural unemployment levels again after full time jobs surged.
"though this time rates are currently at 50 year all time low"
Rates are at "normal" levels according to your much used RBA when it suits. They said "normal" settings.
as on top of a 50% RISE from 50 year lows, banks have managed to scab a further 1% off the low margins hit 2007.
they are facts supporting by government data, rather than opinion.
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