Zero interest rates only makes sense if the pool of savings is infinite.
The Federal Reserve is reverse wealth machine - it steals from the poor and middle class, and gives to the rich and politically connected.
The whole set-up of the Federal Reserve stinks like a scam, too.
The government 'borrows' "money" (Federal Reserve Notes) from them which must be paid back... with interest.
This means that if we procured every single extant Federal Reserve Note and gave it to the Federal Reserve, we would "still owe them money."
Sounds like a pretty big scam to me... and it also explains why nobody seems to want an audit of the Federal Reserve.