While a generation ago, most of these facilities were sought and provided in the government sector, today, a large part of some of these facilities is available only on commercial basis. Consequently, many, especially the poor are deprived of reasonable or in any case equitable access to these services.
But in the medium-term, expansionary policy is actually very much to the benefit of savers. For a start, savers can still earn satisfactory rates of return from diversifying their assets, even when interest rates on deposit and savings accounts are very low.