insolvent was because of gt. the government, the federal reserve kept interest rates at zero for 12 years.s, quantitative easing. time and during that time, banks had pretty much everybody else loaded up on low yielding debt . but inha ordert leve to keep in rates that low, the federal reserve had to create massivee inflatio inflation. they called it quantitativn.eeqs easing, and the adverse really r show up last yeally started to shoeaw up last year when wegv had these big elevated inflation was he cpi. and so inflation was becoming such a burden on americans thatn the fed was forced inttoo taking action. and so it raised interest ratesu and tricked the bubble that inflated. are and now all these institutions are insolvent at higher interestrest rates. we have a bigger debt crisishave now than the one we had,which wo a thousand eight , which was also caused by the artificiallbg low interest rates that followed the bursting of the nasdaq bubble . en the fwhen the fed kept inter. rates