3. A reversion to in-person interaction for anything important (exams, certifications, payments, loan applications, ...) Society benefited from a productivity

3. A reversion to in-person interaction for anything important (exams, certifications, payments, loan applications, ...) Society benefited from a productivity gain by moving everything online, in a (relatively) high-trust environment. That is now becoming more expensive (due to higher % of frauds), or even infeasible. So, a drag on economic growth for years to come.