All of the talking heads are saying that Americans no longer save enough money.  When I was a teenager in the mid-1970's banks offered 5.25% interest, compounded daily, with no minimum deposits.  This provided a wonderful incentive for people to save, young a old.  These days, you need large minimum deposits, or need to tie your money up for years at a time to ge 4%! 

Make the banks give us a bailout!