Why are you sitting on piles of cash (digital or otherwise) such that NIRP would hurt you? It's much more sensible to keep your long-term savings in non-cash ve

Why are you sitting on piles of cash (digital or otherwise) such that NIRP would hurt you? It's much more sensible to keep your long-term savings in non-cash vehicles. And your short-term, liquid holdings (rainy day savings fund) doesn't need to be so large that a -1% interest rate will hurt a lot.