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"I'll end it here before this thread goes way off topic. :)"


Actually, you ought to continue on, because the economic problems we're all facing at the household level cannot be separated from the political decisions being made. LOL But, I too, won't go there, because things haven't yet got bad enough that us plebs will revolt.

As for the surplus 'cash problem', there's a really sharp, ex-Fed gal, Danielle DeMartino Booth, who posts a lot of YouTube videos and digs deeper into fiscal and monetary policy than the usual knee-jerk rants about "abolish the Fed". It's a long, fairly technical discussion of central bank policies and actions that help explain why and where we are today with respect to interest rates.
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