I wonder how gradual the transformation was from well intended government subsidisation program, into the present form where it reduces consumer savings account

I wonder how gradual the transformation was from well intended government subsidisation program, into the present form where it reduces consumer savings account rates, provides fat sinecures for executives, and overall looks (at least based on the information in this story/article) like it does next to nothing of what it was intended to do. Did it accelerate with the spiral that lead to 2008 ? or was it after ? or long before perhaps? Just when did it begin to transform and how fast did that happen? is this some long surviving vestige of 80s corporate greed?... anyone got more financial system history here? (Or do i just need to wait and track down the results of that 100 year review)