In this way, households and businesses, regardless of income level, are able to have access to and can effectively use appropriate financial services, to meet their needs. Therefore, an indicator of financial inclusion would be the proportion of firms and individuals using financial products and services. These typically include transactions, payments, savings and insurance provided in a responsible and sustainable manner.
So how you feel about low nominal interest rates personally comes down to which of the activities you may be involved in. The central bank can only focus on the long-term wellbeing of all. There are different outcomes for different people.