Well, the FED has turned this on its head. Savers are the biggest losers.
With negative real interest rates, the more you try to get ahead, the more you get behind.
This could be looked at as motivation. But really, we need something to pull us forward, not something to drive us from behind. Still, sometimes you need a fire lit under you butt.
Right now in this world we have to be smart and apply hard work gaming the system That is why I like cryptocurrencies and I am working very hard building up my investment wallet :P hahaha