i just recently heard about the negative interest rates, i dont understand how they expect people to pay to "invest" their money. why would someone pay to hold their money.
Most people are too dim to think outside the box. And to be fair the alternatives aren't that appetising for your average personage. Cash at home is going to make you sweat. Gold's too volatile and hard to buy and sell. And most people don't have any money anyway. As soon as it's in the bank it goes straight out again.