In Switzerland and in Germany there are already 0.1% negative interest rates and I don't see millions of people rushing to the banks!
It is very interesting to see the banks testing the baseline of people's tolerance: If that tolerance seems to be extremely high, then they would add another 1% negative interest, and if still no one complains, they add another 1% ... Until at some point it suddenly failed altogether
Every one is a lab rat in the banker's monetary laboratory, while the Satoshi laboratory is testing exactly the opposite: They add interest 16% per year, regardless of people's reaction, which drives people crazy