Banks should NEVER give a negative interest rate. They make money on loans, time-value-of-money and other sound economic principles. There is something very ve

Banks should NEVER give a negative interest rate. They make money on loans, time-value-of-money and other sound economic principles. There is something very very wrong when banks give negative interest rates. The things that are very wrong that are causing it, have come into existence. It started in EU country central bank lending to banks. Now end consumers are seeing that in their personal banking. Imaging a world where the Dutch now have a "bank" that is over the internet in another country. Their money is stored in USD stable coin, or another countries stable coin. Citizens could flee there, in mass. First, the country (Netherlands), would try to stop the on-ramps. But sooner or later, there will be other entrepreneurs who make easy ACHes/wires that re-route to a crypto account and buy-into crypto (like a USD stable coin). Then the country in mass, could move their bank accounts out of the Netherlands. Then banks in the Netherlands could collapse... ....or be replaced by a healthy alternative (foreign USD Stable coin backed accounts). Then the massive fundamental problems going on in macroeconomics that cause the negative interest rates will become visible. These problems remain hidden from the citizen-base because of how technical they are. It would require they be fixed, instead of draining money from citizens to put-their-finger-in-the-dike patching the problem.