We aren't on the gold standard yet. Trump will be crashing the FED and that hasn't happened yet, once he crashes the fed, new printed money will be created (or is created sitting in waiting) by the Treasury. 0% may be a one year deal (if approved by Congress) due to the corona virus disruption, Trump wanted to soften the impact on employees and employers. If Trump gets his way after the election, he may get to make it permanent.