They are also being used as incentives to get people to spend instead of save.
That's a nice quandary people are put in; spend your savings or bank them while they are getting 0% interest and losing value due to the so-called non-existent inflation.

"I so sure of not having a reverse split that I will go on record and say that I will sell all my stock if that happens." snackscum, January 11, 2013