Well, none of us really know, but I'm sure we can agree that only time will tell huh.
Re your negative 2-3% max figure, what I would respectfully suggest is that you may need to take a much broader view!
For us to go back into a sustained negative interest rate environment, some structural changes with the macro-economic situation will likely have occurred. If we then went through a period of "Bail-IN's" (Note: not bail outs) then unbelievably from today's viewpoint, but quite conceivably from a non-emotional perspective, we could then see interest rates FAR lower than negative 3%. :cool: