I just got a letter from one of my credit card companies...they were "happy" to announce they have reduced the interest rate to 19.99%...obviously I don't keep any balance with them. Meanwhile my local bank is paying .05% on savings.
They don't call them banksters for noth'n...
The amount of wealth that is generated in the economy is largely a function of how much is in the hands of the people who can most effectively convert marginal capital into additional real marginal wealth. Reagan's so-called "trickle-down" economics served to maximize that quantity. The Fed's policies by contrast seek to direct wealth toward those who have shown that they cannot use it wisely or efficiently.