So,after taking into account the market impact, and the commissions,and the fees, this zero-sum game becomes a negative-sum game.

所以,考虑到市场冲击,佣金,规费,这一零和博弈变成了负和博弈

耶鲁公开课 - 金融市场课程节选

This is often a hard concept to sell because most consumers have been conditioned to think of savings as the near-zero-percent account at the bank or money market funds and CDs.

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The deposit rate is already at zero, making savings account worthless after inflation.

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The most bare-boned type of account is zero-interest basic checking.

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