If you’ve spent any time on the startup side of Twitter, you’ve probably seen the word “ZIRP” thrown around. Usually not in a positive way; often as a jab. But what is ZIRP?ZIRP stands for “Zero Interest Rate Phenomenon,” and it refers to a stretch of time — most recently throughout the pandemic — in which the Federal Reserve sets interest rates around 0% and commercial banks are able to borrow money for next-to-nothing.  These banks want to find somewhere for this money to go — so it can, in tu...