To your point about negative interest rates - these have been a real thing for years depending on where you are, but this can be overlooked because banks have g

To your point about negative interest rates - these have been a real thing for years depending on where you are, but this can be overlooked because banks have generally avoided passing them to everyday users - however if you are a corporate or high net worth client in Europe these are absolutely a thing, eg Credit Suisse charges up to 0.75% on high CHF balances, but pays interest on smaller deposits.