JJ,
Would appreciate your opinion on these two posts:
https://forum.freecapitalists.org/t/why-should-an-increase-in-savings-cause-lower-interest-rates/23081/39
https://forum.freecapitalists.org/t/why-should-an-increase-in-savings-cause-lower-interest-rates/23081/40
Perhaps you should reply there, so as not to hijack this thread.