People need to be educated to balance their investments in terms of liquidity and risks and that they should not put all eggs in the same basket. While financial literacy for the users of financial services/products is of paramount importance, literacy is also a must for financial service providers.
By contrast, a rise in the primary surplus as a percentage of GDP by 1 percentage point lowers the debt-to-GDP ratio by only 1 percentage point (assuming that the fiscal multiplier is 0 which, as we well know, it is not). A similar effect to lowering the interest rate can be achieved through a rise in nominal growth.