I understand about the wealth gap that is happening currently today. Back then, people were able to save because school cost was not an issue unless you go to the big leagues. The wealth gap is so big that the poor is getting poorer and the rich is getting richer. In 30-50 years, many millennials will be broke without any savings to dip on. I agree with what another user stated on why the government should just get rid of the interest rate. Heck, I would love that for my mortgage.