This is why I got into bitcoin. Coming to the US soon too. I'll never pay a bank to hold my money.
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.
This is a 'nudge' from the central bank to take your money out and invest it in the real economy.
If you don't have the appetite, take it out and stuff it under your pillow.