Loan it out? What is your real question? I would rather not play Plato to your Socrates in a comment thread.

The point is that your money gets invested in productive enterprise in any case, no matter if it's done through equity financing or credit financing; so if you take out money from your savings account and buy shares then that does not really change the total amount of investment in the economy.

Yes, both of those are increased with lower rates. My point remains exactly the same.