The interest will go negative next time, and as long as people believe in fiat money, the tricks can be played again and again
There will be real problem when people no longer believe in fiat money, but that is not the case right now, especially during an economy downturn, everyone want fiat money
The change comes from the enterprises, sooner or later they will realize that they work hard to just exchange some paper printed by FED. They will prefer to accept honest money (have a cost corresponding to its value), then the fiat money will be phased out