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<p>[QUOTE=&quot;QuintupleSovereign, post: 4588302, member: 94957&quot;]Right, but up to this point, negative rates have never officially been imposed on retail deposits in the US. I guess you could argue that negative real rates (accounting for inflation), coupled with exorbitant maintenance fees charged by BofA, Chase, etc., mean that we&#039;re already experiencing negative rates to some extent. Still, at least the government can&#039;t easily devalue the currency in nominal terms; that would require a digital currency that could be manipulated at will. Not something I advocate for, to say the least.[/QUOTE]</p><p><br /></p>

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