I think at some point, U.S. banks will charge people to put money into the banks to keep safe, especially when markets start declining. Interest to customers will be thing of the past.
Imagine zero or negative margin rates at your broker. Would be an investor's paradise. I recall a modeling of future rates forecasted 20% probability of negative rates and 5% of high single digit positive rates. Makes sense we would have this bizzaro world of negative rates in an environment of high global debt/gdp and central bank activism.
The next step is an economy without cash money. This would cause big problems for the black money economy and also for the criminality and drugs related businesses. The government will know all financial details from every person. It would make it more easy too for the government to manage the economy. Interest rates are pushed down to force people to spent their money. Negative intrest rates are used for this purpose. But people can take cash money to avoid these negative interests. In an economy without cash money that will be impossible. You will pay on your own money and cannot escape anymore. Denmark is almost a complete cash free economy. Others will follow probably.
All the more reason to work on a thoroughly-tested and consistently-profitable trading system, along with an investigation into dividend-paying stocks, perhaps in ETF form. Those who are still waiting for the return of 10% interest on their CDs should most likely smack themselves upside the head and explore other options.
"the law sounds innocuous. But it would be another step to making money a purely electronic entity that can be seamlessly tracked anywhere. It would also be another step in granting the central bank the absolute power to inflict confiscatory monetary policies on any entity or person with money in the bank." http://www.businessinsider.com/war-on-cash-2015-5