If the stock market does plunge or something, I'll be buying up shares in ETF funds.
The world will sort itself out again someday, but I'm talking a 30-40% plunge before I'd be comfortable investing too much.

Trump installed a Yes Man at the Fed who pumped a lot of easy money into the system and there's a lot of businesses that are failing now, even with zero interest on the Fed Funds Rate.

So it's unheard of for rates to be zero and have corporate bankruptcies this high.
I think negative rates are coming. 

I think they're going to try it because it goes with their instinct that negative rates are going to goose the economy, when only some sort of stimulus bill from Congress will have any effect for real people.