Thanks for the break down. I think all the points are true within the context that it's clear the negative interest rate is a way to get around problems of sti

Thanks for the break down. I think all the points are true within the context that it's clear the negative interest rate is a way to get around problems of stimulating the economy, but also that there's certain banks who would love to get more people hooked on consumer credit. Frankly, I just hope this situation is resolved without having to chain everyone to such a terrible situation of perpetually needing consumer credit to pay for goods/services. I don't feel it's the right way to ensure a healthy economy. Or at least that's my view of it.