Listening to "marketplace" on NPR when the us federal reserve raised interest rates to 0.25%, they mentioned that actually there was a problem -- that they woul

Listening to "marketplace" on NPR when the us federal reserve raised interest rates to 0.25%, they mentioned that actually there was a problem -- that they would need to pay banks to actually pay them to take the money from them at 0.25% interest rate since banks have some much liquid cash available now to lend each other that they don't need money from the fed. So "banks" are crazy awash in money now such that the interest rate being 0.25% and we need to pay banks to take the money, then that means the interest rate effectively is still at 0.0%. So what I see as the big problem is that banks have a ton of money, and I don't currently have anything to sell to the banks for 10X the price. :-) Tongue in cheek, but my point is that guess what.. that extra money that the banks are swimming in will probably be squandered in some way and somebody will get rich off of it.. I do wish they would pile up some of that money into venture capital companies specifically to get small companies to start and grow rather than giant banks sitting on literally 500 billion dollars of free money from the fed that they essentially never need to pay back.. or the interest rate is so freaking low they barely need to even pay any interest on it.. but if startups had access to even more money then that would be a great way to stimulate the economy more.. as much as I wish they would burn that kind of cash in the area where I live, people putting the money toward startup incubator areas at many different locations around the US would be a great way to stimulate job growth especially for the underemployed people in their 20s just out of college... and plus easy money for startups bring foreigners to the US because its hard to get that kind of cash in their country..