The way the banking system works today is you're effectively giving a money manager the right to invest your money for you. The managers wouldn't invest the cash in anything because they wouldn't want to take any risk of loss. In order to operate the business which has a bunch of people working there on a bunch of banks that they got to operate They're going to charge you a fee to holdyour money for you And so what happens is interest rates turn negative and you basically have to pay someone to hold your money for them.