Most people don't own a savings account because it is profitable. They do it because it us a valuable service. It provides an easy way to store your money that

Most people don't own a savings account because it is profitable. They do it because it us a valuable service. It provides an easy way to store your money that is secured by 'this collapsing is an exustensial threat to the government'. It also provides access to the financial system. I would be willing to pay a lot of money for such a service. Of course, given that I already need it, I might as well choose a cheap option. If that cheap option happens to have a negative cost, I'm not going to complain.