What If Interest Rates Were Negative? 🤯

Added: 2026-06-02

[00:00:00]What if interest rates went negative?

[00:00:03]Instead of earning money in your savings account, the bank charges you to keep your money. Your $100 becomes $95 just for being safe. Suddenly, people stop saving. Everyone spends everything immediately. Why keep money in a bank losing value when you could buy something now? Borrowing becomes free, so everyone borrows. Everyone spends.

[00:00:24]Everything inflates wildly. Negative rates punish savers [music] and reward reckless borrowers. It's the opposite of how the world should work. Interest rates aren't just numbers. They're incentives that shape how we all behave.

[00:00:37]Get them wrong and the whole system breaks. Follow for more.