Low rates lead to highly speculative decisions. This is a bomb being armed. I believe FED and other central banks are well aware of that.
you are right, if the price is lower then you can actually make a lot of money because sooner or later people will pump the price way up
That is the trend in bitcoin, when there is a price fall back it always followed by a major increase of price, to take advantage of the opportunity we need to buy more bitcoins base on our capacity, as long as you will only invest what you can afford to lose then you are good to go.