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<p>[QUOTE=&quot;baseball21, post: 2335843, member: 76863&quot;]A bank would be better off sitting on the money themselves or paying the small penalty of a negative rate then handing out a bunch of bad loans to try and make a profit on the money.&nbsp; I understand the idea behind trying to encourage loans with the negative rate, but at the same time loans being handed out to freely or in amounts that were above peoples ability to pay it back are a large part of what caused the housing bubble.&nbsp; You do need loans to be available but being to available can be just as bad as being to tight with them in the long run.[/QUOTE]</p><p><br /></p>

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