Interest rates on loans and deposits have nearly halved over 10 years.
$1 million today in the bank earns $26,000 less that it did a decade ago.
$21 trillion in household savings earning $558 billion less due to falling rates.
There’s never been less incentive to keep money in the bank as today.
Over the same period, the Reserve Requirement Ratio (RRR) has also been cut by about 50%, making trillions of dollars available to lend out to businesse...