They have been talking about these coming in the US. It was a term I wasn't really familiar with until I looked it up a couple of days ago. It is a pretty scary concept if you ask me. I can't imagine having to pay interest to keep my money in a bank. On top of that, they pay me to take out a loan? Nuts!! The sad thing is, there isn't much we can do to stop it, so we just need to hedge our bets in other areas to make sure we are secure.