It is critical to teach people the difference between “price rate” and “quantity rate”. Negative quantity rate requires a subsidy from bank, but negative price rate can be done with positive quantity rate, so bank makes money even with negative effective borrowing rate.

Understanding the nuances between "price rate" and "quantity rate" is key for financial success. Leveraging positive quantity rates can offset negative price rates, enabling banks to profit even in challenging scenarios. 💰📊