>That's important, because central banks are considering negative interest rate policy, which would mean your bank account would drop by a percentage each month.

Imagine the horror of having to pay a parking fee instead. Truly horrifying. How are we supposed to pretend that it is ours anymore and extort payments from other people by blocking all the free parking lots?

>This would drive people to spend or invest their money, supporting consumption and inflating asset prices.

You know, in neo classical economics the idea of not spending your money on consumption or investment or saving your money isn't even considered to be something that even happens (by that I mean in neo classics all saving happens at the bank anyway) So if you are against that then you leave central banks no choice other than to create exponentially growing quantities of money and use inflation to devalue all assets instead of only shrinking the type of balance you have the least of. The poor store most of their value in their body and need to trade their body for money that they spend quickly, only the rich who can block their withheld money from being available and thereby extort interest payments from the rest of the economy.

It is like you are arguing that the current system of exponential debt is somehow the height of morality.