Negative interest rate.
Let’s say the i terest rate is -3% and you have $10,000.00 in your savings account. They will deduct the 3% devided by 12 months from your account every month.
Right they subtract money from your account.
The government does this to try and force people to spend money.
Or force it into the stock market.
How is it mortgage rates are stuck in mid 3%?