Is this just a USA thing? I live in Colombia and wish to have something like that, but not know how judge if the packages given by banks are truly decent. For

Is this just a USA thing? I live in Colombia and wish to have something like that, but not know how judge if the packages given by banks are truly decent. For example, I look at one of the richest bank accounts balances of a company I work for and the savings account become a net loss after each year. The way to get some money is for people itself perform in a kind of lottery we call a "natillera" where people put together money and try to create some profits running events from it. This demoralize me a lot, because if with all that money in an account you lost anyway, what chance get the rest of us?