My major gripe is that you had the BoC telling people that interest rates would be low for a while, in a situation where it was very obvious that things would be unstable:
https://www.bnnbloomberg.ca/interest...klem-1.1465901
They encouraged people to buy homes to simulate the economy during COVID. That's fine, but encouraging people, many first time buyers, to overly extend themselves or lock into variable rates seems almost criminal.