"Treat near-zero risk premiums as a hidden danger signal When the US government's term premium on 10-year bonds sits at 0% — far below the historical average of 2% — it signals that investors are accepting almost no compensation for the risk of holding long-term debt. The speaker explains that if the risk premium were to simply revert to its 2% historical average, today's 4% government interest rate would jump to 6%, which would ripple into mortgage rates and business borrowing costs. This means that periods of unusually low risk premiums are not signs of safety — they are periods of compressed risk that can unwind quickly. Anyone managing savings, a mortgage, or a business loan should factor in the possibility that borrowing costs could rise sharply even without a central bank rate hike. Source: Bravos Research, Bravos Research Video, The US Government's Crypto Reset Plan Explained"