The increased spread between household deposit rates and other sectors might be due to sectoral differences in alternatives to deposits. For households, the alternative to deposits might be cash with a zero interest rate, but incurring the inconveniences of cash. On the other hand, for large corporates, investment and pension funds the alternative might be placement on money market-like terms.
We need to have a better grasp of scenario analysis methodologies to be able to include climate and relevant long-term possible futures in traditional economic analysis. This requires us to work even more with experts from outside our own field. And all this leads to the second solution, which relates to the need to build analytical capacity and understanding.