If rates or yields remain positive for retail products, what&#x27;s to stop hedge funds &#x2F; companies with lots of cash &#x2F; banks, from investing in those same products?  Yields may be positive on paper, but I would suppose that fees will hide the fact that actual returns will be negative.  Set up maximum account balance limits and you restrict investment by the non-retail crowd.  Then again if these products are actually making profits for the small guy, what&#x27;s the seller&#x27;s incentive to keep providing them?