WWW makes sense and always had. Taking a view based on one day is just nuts. Look at the trend, it is bad. There will be days that flatter to decieve.
Mortgage rates are already going up agin and will likely continue to be higher.
For lenders the rquirement will be about high quality lending. That will be the price the regulators and governments will require. No more flaky lending.
So out go sub prime mortgages, out will go lending for small business start ups out will go lending to fund career development in oversubscribed industries. (Unless back by parents too daft to know better and they put the family home on the line)