Comment by TeMPOraL

A lot of comments here are saying that this is good, and/or one is not entitled to a non-negative return rate on a bank account. Ok, so as an individual, how am I supposed to store money? Under mattress? Or should I embrace the new way of spending everything I earn immediately, possibly by turning my life into a portfolio of subscriptions, and paper over all unexpected spendings (illness, car breaking down, family issues) with insurance? How are low-to-middle-class people supposed to improve their financial situation in this reality?