"I've got a complaint, and the gist of it
Is the rates that they're setting
Are not even letting
Me earn the rewards of my thrift a bit."
More than one commentator has asked the question: if America is caught, not in a cyclical downturn, but a period of deleveraging from excessive debt, which we desperately need to save our way out of, why is the Fed setting interest rates near zero for the benefit of borrowers rather than savers?