Depositors already have to cope with near-zero interest rates, but paying just to leave money in the bank would be highly unusual and unwelcome for companies and households
I wonder who are all those depositors that keep their money in banks at a near-zero interest rate? What sense does it make if you could just as easily (well, almost) buy US treasury bills (e.g. through TreasuryDirect) which are the safest dollar-based investment out there, thus securing yourself from a bank's arbitrariness?
Or do I miss something?