At zero per cent interest rates, now is the time to borrow money.
It is never the time to borrow money to consume. To invest, yes, but the investment has to give you a good return in order to beat the inflation "tax" that artificially low rates produce.
where are zero interest rates available?
Near zero loans are available at the Fed to 18 specific other private banks. Those banks in turn can buy US treasuries with a 3% return (treasuries can also be used to fulfill reserve requirements). In turn, the US government can keep doing its thing because people have faith in it and keep buying securities...
No, not everyone that lives or comes from America is rich, but then again rich is relative. Your average Jan and Jane Kowalski had an income of $26,530 a year in the US. If they worked, they probably earned a salary close to $30,899. The average was $41,928 per year.
Your average Jan and Jane in Poland earn 3256zl a month, or about $13,500 a year. That is average, median will be south of that.