Helping Ben with technology and negative interest rates

"the fact that negative rates would be temporary and deployed only during severely adverse economic conditions would be an advantage. Like quantitative easing, which was also unpopular in many quarters, a period of negative rates would probably be tolerated by politicians if properly motivated and explained" - Ben Bernanke

The new technology allows us to delay reporting a  transaction to a depository institution.  It allows us to trade a pending deposit, assign the deposit to another agent before the original depository institution knows.  The new technology allows these activities because the double entry accounting in our smart cards is guaranteed, by Tim Cook, if no one else.

Now, you might say, Apple engineers ae way to dense to figure this out, but if not Apple then there is the Etherum group which seems to be doing fine after the robbery. If not them, there is card logic, and the list goes on.   Negative interest rates will be forever banned.