There was a day when if you wanted to buy a house or build a retirement nest egg, you saved for it. Hardly anyone in the middle class invested in the stock market. That was for the Wall Street sharpies. Our money was safe in the banks, earning interest. Somewhere in the 80s it started changing. Fixed annuities became a thing of the past. So have interest rates on savings. The Fed’s Zero Interest Rate Policy (ZIRP) has made saving a joke. Nothing hurts the average American more, but it never gets discussed. Why aren’t we raising hell about this?