I'm going to oversimplify here, but negative interest rates effectively mean you pay the bank to store your money. So on top of inflation, you're losing real mo

I'm going to oversimplify here, but negative interest rates effectively mean you pay the bank to store your money. So on top of inflation, you're losing real money. For someone who saves, negative interest rates mean savers end up with less money at the end of each year, and since OP indicated their preference to saving, that puts them at a disadvantage. Negative interest rates also that you get paid for taking out debt, which is a tremendous opportunity to buy something that costs $100 for less than $100, but because OP indicated their aversion to taking on debt, this puts them at a disadvantage.