Money has been free for years. Children growing up today don’t have any concept of “interest”. “Interest on interest” as a financial strategy and reality will cease to exist. Money market accounts are now more of a liability than an asset.
You are so right. Most of my money came from 12-14% dividends on Utility stocks, which I began to accrue during Carter’s last year in office, when interest rates and inflation were sky high. Then after 3rd year of Reagan, inflation was way down, and all those utility stocks had more than doubled.