This is what "I just woke up brain looks like" = collared = fixed. We just use different terminology.

Yep - I have just got used to it here. The straight translation here is "interest roof"

You can further use the bank's own products against them, by employing credit cards. Put all your expenses on credit cards, keep your savings in the "offset", then pay the credit card off a day before any charges start gaining interest there.

Yep. If good with money management, this works wonders. Unfortunately, most aren't and get trapped paying higher interest anyway.