I guess he just got tired of all the winning. The Orange Outrage Machine's infantile behaviour since LOSING the election on Nov 3rd will be the defining act of his time in office. The string of LOSSES his legal team has racked up is considerable and every one of them is a condemnation of the client forcing the lawyers to risk disbarment by wasting the court's time with mere speculation and baseless claims.
The White House Horror Show of the last four years has claimed enough of my time and energy, I am determined to end that. It was necessary to pay attention because he held the awesome power of the US President in his tiny little hands. Come noon hour on January 20, 2021 his only power over us will be what we grant to him by paying attention to his tweets and the news stories about those tweets. He will commit and utter other outrageous things to keep our attention. If he keeps it he maintains his hold over the GOP.
I refuse to play his game. So the next post from me on the topic of the Abominable President will be on January 21st, after noon, Washington time, when he officially resumes life as a private citizen who is now the LOSER of the Nov 3 2020 Presidential Election. In the interim I plan to avoid reading any articles about him. I encourage all of you to do the same. News websites count clicks on their articles and produce more on topics that collect the most clicks. Less clicks on articles about Trump will create a death cycle for them and hopefully they disappear. The only response, if any to a story about Donald Trump should be "Why pay any attention to that LOSER?
Why do you think anyone could borrow? I would say it's even harder for people to borrow. The lenders are likely going to restrict even more who they will lend to in order to maximize their profits. They are paying borrowers, so they will lend to those who have good collateral and high wealth.
We are just discussing a hypothetical here. I can't see the Fed going negative and even if it did I don't foresee any commercial bank paying to loan money. Commercial rates are always higher than the Fed rate. But if they did all they care about is paying the lowest rate they can and having a reasonable chance of getting it back. So those who are willing to accept the lowest payout will get the loans as long as they can demonstrate that they will pay it back. That can be managed by limiting how much is loaned to an individual. Since there are far more poor people than rich people, and poor people will accept any rate no matter how small, small loans at low rates to many of them could easily be a better "investment" than a few large loans to rich people who will insist on better rates.