If things come to negative interest rates, what will happen? Will banks pay you to borrow money? Nope.

It will mean deflation. If you didn't like inflation, just know that you don't want to go there.

Demand will be low, including demand for your labor. You will be lucky to find a job. If you have a job, they will want to continually lower your pay.

In short, if you want to see what this will mean, look at the Great Depression. We don't want to go there.

And, I just came upon this article which points up exactly what I talked about in this thread: https://www.cnn.com/2020/05/12/investing/jobs-coronavirus-consumer-spending-debt/index.html

People will stop buying stuff, expecting prices to go lower. This will make deflation worse.

Investors and buyers will hoard money, because its value is going up. Again, causing more deflation.

If you have a loan, such as a mortgage, you will have to pay for it in increasingly more valuable money, which will be more difficult to get.