"And that's the one thing that people do not understand is that we have very low interest rates and if those go back to historical levels or even go back to scary thoughts that they're back in the late '70s, early '80s, then that's going to really be hard to actually pay off those debts. It's going to be a - it's going to be a very big problem"

In this quote, Ben Quayle is talking about the potential effects of low interest rates. He discusses that many individuals fail to realize the significance of these low rates, and how they could have a major effect on debt repayment. Quayle cautions that if rates of interest were to return to their historic levels, and even reach the levels seen in the late 1970s and early 1980s, it would be extremely challenging to settle financial obligations. He emphasizes that this would be a considerable issue, highlighting the potential seriousness of the circumstance. In general, Quayle is stressing the value of understanding and monitoring interest rates in relation to financial obligation management.