I’ve never lived in Japan, and judging from your username it seems you may have. But, I’d like to point out that on the low interest point you make, this isn’t

I’ve never lived in Japan, and judging from your username it seems you may have. But, I’d like to point out that on the low interest point you make, this isn’t necessarily a good thing: https://www.theguardian.com/world/2016/aug/26/japans-deflationary-spiral-worsens-as-abenomics-falters https://www.theguardian.com/world/2016/aug/26/japans-deflati.... The interest rate available to consumers is directly related to the rate that banks can borrow from the central bank. The BOJ has had to operate at the ZLB for quite a while: https://www.boj.or.jp/en/announcements/press/koen_2016/data/ko160112a.pdf https://www.boj.or.jp/en/announcements/press/koen_2016/data/.... The low interest rates available to consumers are a function of macroeconomic factors and monetary policy, not anything that consumer lending banks themselves do.