Setting the APR is a now problem.
You've presented me with a tomorrow problem in response.
That alone is enough to invalidate the argument.
We aren't talking about tomorrow we are talking about now.
Tomorrow we can talk about tomorrow.
Then it will be now.
It’s really a today problem and it needs discussing and planning by sound, stable actors who are able to rationally plan and consider what could be in the near future in order to decide where resources should be allocated in the now.