I was not intending to make that case. Negative real interest in our real life reality where the better off have better access to credit nearly certainly hurts

I was not intending to make that case. Negative real interest in our real life reality where the better off have better access to credit nearly certainly hurts cash based poor by making homes etc cost less in real terms to the rich at the expense of inflating the poor. Basically the poor have worse access to credit than other groups so when interest goes negative in real terms the poor pay for it.