No, I'm just smart enough to know that a young couple saving for their first house that relied on accrued interest to make a difference in their deposit wouldn't be young any more, and most likely getting ready to retire.
I only said that it helped, not that they relied on it. More importantly, low rates sent the expense of buying a home through the roof so, as they saved, they just fell farther behind. This is particularly true in CA, where I live. Lucky for me, I bought my home in 1990 and I’m staying put.