I will never understand this argument. What right do people have to a return on their savings? None. It's an economic transaction.
You realize that when you "save" money, there's someone on the other side of that transaction that is taking that money, along with some risk and ingenuity, and putting it to work economically?
If you want return now, take more risk. The world is awash in capital, safe assets earn nothing.
As far as "conducting business", the largest corporations are selling massive amounts of debt at historically low rates; it's not a bad environment to conduct business.