Why can't things be created collectively?
After you run a profitable business (without government assistance), then you will know. Until then, you are just blowing snot out of your nose.
You could begin with the
Mythical Man Month, as one example. But it applies to every venture. It is very, very difficult to get many individuals into sync and you end up with the LEAST common denominator to make it happen.
You apparently lack a conceptually mathematical mind, which is why this common sense doesn't make sense to you.
I guess different observers can interpret lines on a chart in different ways but I pretty much see the same conclusion. Both show several occasional outlier peaks against a longer term trend of rate declines.
The Bank of England liar chart attempts to paint the picture that interest rate declines have been
decelerating (with significant outliers thus dominating more) by packing a shorter time period into most of the chart.