If I apply for US visa (which I will not, ever!), I have to wait for 3 years and get single entry visa at best which is ridiculous, they also ask for insane amount of info from me!
yes, most rich people can get good loans with low rate during this time, as inflation goes up, the value of asset that they bought with loan goes up and debt value goes down, so the get richer twice again
that is why for example bill gates became biggest land owner during covid, I guess he bought lots of land with cheap loans