[randita]

We’re earning a decent return in our retirement accounts and we aren’t going to draw on them for 4 or 5 more years, but for those who really need everything to be in cash, ZIRP doesn’t help.

[expat_panama]

for those who really need everything to be in cash, ZIRP doesn’t help.

It's not supposed to.  Except for the overnight bank rates (to regulate the value of the dollar per Art. I Sect. 8) virtually all other interst rates are set by the free market, and those rates are set for supply and demand; "those who really need" have to check  in w/ the county welfare dept.

[Toddsterpatriot]

but for those who really need everything to be in cash

Nowadays, who needs everything in cash?