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Incomes fluctuate while interest payments are fixed. Most people are hardly aware of the consequences. Usury, which is all interest on money and debts, is the reason why relatively small events can escalate into a global depression.
Negative interest rates are coming. This is a great opportunity. We can end poverty, make the economy sustainable, and reduce income inequality. Financial and economic crises can be gone forever. Natural Money can help to make that happen.
Natural Money has a maximum interest rate on money and loans of zero and a holding fee on central bank currency ranging from 0.5% to 1% per month. If you lend out money, put it in a bank account, or invest it, you don't have to pay the fee.
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