If I read it right ECB will now charge banks to put money on deposit. There must be a tipping point when people get paid to borrow money and charged to lend it, that the financial system and money becomes meaningless. Dairy farms are being bought in NZ on 2-3% finance. Funny money is buying real assets. I am a fool for waiting for a crash and I don't see any point in having a lot of money on deposit.