I have to put my 2 cent worth in here, In the 70's & 80's our bank accounts made 2-3% interest. So honestly.. how long has it been now since you have made a real interest on your accounts?? seriously.. like 1/2 % if lucky. Raise the interest rate for all as it use to be.. Sure those getting loans and credit cards pay a higher interest as they should so that the people (US) who are in fact loaning them the money gets an interest on their money! DUH!  We are all paying dearly for those who fail to pay their debts !