Do you really think in 10 years it will be like it was 5 years ago? REALLY? We still aint past the GFC, 14yrs later. In my lifetime, i doubt i will see 7% again. Definately not the 30% that my parents payed.

As much as life is cyclic, in 10yrs time we AR/VR will be worked out and there will be even less reason to be in a physical space with someone.