Final answer:
The statement suggesting that interest rates and regulations will be less instrumental in the future is false, as changes in bank regulations affecting home loans can lead to increased lending and affect savings behaviors. Also, interest rates can indeed go negative, resulting in decreased incentives for traditional savings.
Step-by-step explanation:
The statement that interest rates and regulation will be instrumental much less than in the past can be considered false. When the federal government changes its bank regulations to make it cheaper and easier for banks to make home loans, this usually leads to an increase in lending activity. For example, if there is a change in bank regulations that lowers the cost of home loans, banks may be more inclined to grant these loans, thus potentially increasing demand for borrowers.
Furthermore, assuming that a lower interest rate will always encourage significantly lower financial savings for all individuals might not be accurate. The relationship between interest rates and savings behavior can be complex and depends on various factors, such as the economic context or the needs of individual savers.
Additionally, it's important to note that interest rates can indeed be negative, as was seen after the 2008-2009 recession in the United States. The federal funds rate dropped to nearly zero, discouraging savings in traditional savings accounts and prompting individuals and institutions to look for other ways to invest their money.