Is it really a good idea to keep all economic agents solvent by using very low interest rates?

Given the very low interest rates in OECD countries, all economic agents, even those who are highly indebted, are solvent thanks to the major decline in the interest payments on their debts. Is it a good idea to keep borrowers solvent by using very low interest rates? It makes it possible to avoid a recession caused by the insolvency of a large group of economic agents, which was the main cause of recessions in the past; But it leads to significant moral hazard: no one is concerned about insolvency any more, which can give rise to excessive debt (governments), or debt that is not very efficient ( financing rising property prices for households, cash accumulation for companies ) . Market discipline has disappeared f or all economic agents, which is dangerous.