Hitler didn’t take power democratically. Neither did Mussolini or Franco. They each found cracks in how liberal democracy worked in their respective countries. Those cracks were usually the places where the system was decidedly undemocratic, which in those three cases, was generally something where the old nobles still had some power and they lined up behind fascists to save them from leftists.
America never had nobles, but it does have plenty of cracks in its liberal democracy to be exploited by fascists.
So to answer your question simply, no, there are no instruments to fix this. Congress can potentially either reign Trump in with legislation, or even impeach him, but I don’t expect either one to happen. If the GOP can be swept out of Congress in 2026, then we can maybe start to fix some things without resorting to extralegal methods. Even that is only a starting point.
I do know for sure that we can’t go back to the old trajectory as if Trump was just an outlier.
Even more: an interest rate of <3% is basically blown away by annual inflation.
That assumes your salary goes up with inflation, though.