So im sorry for editing my post, but i only did it to clarify my point. But i see what you mean, the question is why are banks taking the 0.4% interest with so much money and why is the trend increasing? Imo its because they THINK other assets are overvalued simply because they are near historic highs? But when you look at the amount of money chasing that 0.4% then its kinda obvious that other assets are undervalued. Not sure if that makes sense