I know it sounds crazy, but negative interest rates are showing up everywhere. That means you pay the bank to hold your deposits.
That is why my previous 3 posts talk about how holding cash on your own is the best thing to do right now. More people are pulling their cash out of the banking system because they lose nothing by doing so. This actually contracts the money supply and crushes the velocity of money. This is why we are in a deflationary death spiral despite central banks printing money.
The central planners won't let this happen. So the plan is to eliminate CASH.
And if you are concerned about holding all that cash (theft, fire, etc.) consider putting some into bitcoin!