You cannot fix stupid you can, however - you can take it's $.
Rates will continue to persist to the Larger time frames @ 3.5%.
This is the point of truncation late this year when 5/5 concludes for the Equity Complex at New ATHs. Even the TLT baggies will gain small relief as all JUNK is hoisted higher in one final Tulip Phase.
A multi-year Bear Market will ensue, collaterals will be "Reset" and Bonds, as we long warned become perpetual.
Fluidity / Mobility matter most.
Unfortunately, the vast majority will remain snared.