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Zero or negative interest is said to be a lack of currency demand. The question for central bank economists should be why? Obviously, with a high savings ratio there is no need of immediate credits. It is crucial to think about cause and effect of economic actions to find a direction out of the currency conundrum. The policy of the ECB is making credits as cheap as possible to set an impulse to new investments and, on the other hand, setting a price to savings. Take this description into our daily lives. Would you stop saving money because of the…