The banks in England are already advertising NIRP for companies, which is legal, however, is currently illegal per English law for non-business accounts. I see that changing with the crash of Deutschebank, the bailout of Monte di Pesci (sp) and the overall derivatives bubble. Good news for cryptos and precious metals, bad news for stability and the way of life we are used to. When they go broke, they take you to war, as Gerald Celente says.