To the uninitiated some of what you say may sound like conspiracy thinking. But it’s really not. People in ECB have been talking along these lines for over a year. Here is the latest example. [1] The more you follow it the more it really seems like if the people in the ECB had their way they’d force everyone to live paycheck to paycheck and never save. They’ve been running negative interest rates and they don’t work (because they simply, empirically don’t). They won’t accept the empirical evidence and go back to the drawing board. Instead the problem in their minds is always they’ve never gone far enough! They want to keep doubling down and try to gain more and more centralized control of people’s money.

[1] https://www.bloomberg.com/news/articles/2021-02-10/ecb-s-pan...