Some one needs to explain it to me. Just hold my hand (I know sick,) walk me down the path and when it looks like I bout got it kick me in the a$$ and yell "hunt er up." I just am not getting it at all. I mean we have irrational numbers, don't we? So I would think I could figure this out but it ain't working that way. For one I am dyslexic (some what,) which is the reason I bailed in electronics. I mean water and electricity are analogs of sorts yet when the switch is closed the electricity flows and when the tap is closed the water don't flow; so I bailed. Now here is this negative interest, and believe me, it don't compute. When I have ever computed interest it is always on the positive side of the number line, or on the right of zero. And, when I miscalculated it the only negative was my pocket book, but, the recalculated interest was still a positive. Now scientifically there is supposed to be negative irrational numbers to infinity to the left of zero as there is whole numbers and irrational numbers to the right of zero, to infinity. But I think scientifically this assumption is incorrect and I think the zero is just in the wrong spot.; Let me take gold. Now when counting gold or adding to it or taking away from an amount of gold the measurement used is a grain. Cool, so many grains equals a gram, then ounce and on and on. One can never go past the original starting point. I loan you one grain, your pay back of the consideration is one grain and a 1/4grain, which is gain on my part. For you to not meet the agreed obligation is a loss on my part to you, but still it is a positive to the right of zero. Now let me take the irrational negative numbers of gold on the left of zero. Say I take the weight of one atom of gold as consideration and loan it at 1/4 interest for my gain. This is still a positive at to me because the zero has just been moved to before what ever the atoms weight is as a place holder. This I can comprehend. Also scientifically to me this makes sense because even though them pesky nerds know what muons are and all the flavors of the quake are they also know the weight aka mass of them, yet they have been too lazy to move that zero/place holder to the left as of yet. And, this brings me to negative interest rates. I read about them yet understand them not. It's as if these financial guru's who pontificate about the world's finances are living in a different reality from me. It is about the same to me as holding a penny in my hand or a dollar and knowing I have actually nothing but because I hold it I owe it. Now I am not sure if that las sentence makes any kind of sense, but these negative interest rates really have me bamboozled. And, I think I just confused myself, also, on this subject. I am sure there are a lot more just like me, which is why I am posting about this subject. So do I have it right or have I been stuck on an empty tree for so long I need to be put on a lead and taken to the truck?