The consumer is always the last to feel anything beneficial from the economy. In 6 months to a year when it's finally obvious that cash is going to be worthles

The consumer is always the last to feel anything beneficial from the economy. In 6 months to a year when it's finally obvious that cash is going to be worthless for awhile, they'll increase rates to encourage unsavvy customers to take the hit for it. This way, they siphon off 5% of everyone's real world wealth and as an added bonus it looks like they're doing everyone a favor.