I like this initiative very much. It is simple and effective. Please do read the website of the initiative: http://www.vollgeld-initiative.ch/2-minuten-info/ ht

I like this initiative very much. It is simple and effective. Please do read the website of the initiative: http://www.vollgeld-initiative.ch/2-minuten-info/ http://www.vollgeld-initiative.ch/2-minuten-info/. The initiative states that all Swiss banks should hold all your money on your checking(!) account in 100% reserve. Your money is always there. There is no interest rate. It is just like cash money. Only digital. If you want your money to gain interest you can open a savings account. Or you can invest your money in any other investment opportunity. The 100% reserve rule does not apply to saving accounts. And thus you, as a customer, have a clear choice. Money on your checking account is save and always yours. Guaranteed by your National Bank and/or State. Money anywhere else is treated as an investment. You win some, you loose some.