RE:BOJ Shifts Policy Framework to Targeting Japan’s Yield CurveThe problem here is the guys with the debt are running the show and since wages keep falling relative to the costs of living which keeps climbing they are very content with the current status quo. Not raising rates and adding service fees has replaced rate increases as the industry trys to balance the books. These days the use of credit points to deliver savings to consumers in return for buying there products with credit is replacing other forms of incentives to increase consumer loyalty to drive info mining and produce the the best returns for consumers who use the credit / debt machine to purchase products. You want yeild on savings forget it, the yeild now is attached to how you spend your money, cash gets you less than credit, you are rewarded more for using debt as long as you pay on time.