Comment by immibis

The long term trend for the Fed is that it raises rates somewhat, and then lowers them even more. There is no reason to think this won't happen again this time, landing squarely in negative rates. It only stops when US dollars are worthless because any Tom, Dick and Harry can get a billion of them for free and even get paid for doing so.

So far, the Fed does a good job of gatekeeping normal people out of the negative rate market even when rates are negative - only rich people are allowed to benefit.