> There's no good guys and bad guys in this. You must understand that unless a loan is issued with a zero or negative interest rate, it will always have a net negative impact on your balance. Where else does the money to repay the interest come from?

Why the hell would anyone give out loans in first place if they are going to get zero to negative interest rates? Even Islamic banking takes equity or other ways of making sure that they are rewarded for lending money.

I'm just trying to see it from your view but you simply demonize EU and Banks because it gives the borrower a hard time without considering that it's also the lender's money and opportunity cost at stake here. It's not very convincing.