"Negative interest rates" means banks charge you to hold onto your money.

I'm sort of following but make it explicit for me. The 25% bonus the rich got was from... the Fed buying their toxic assets through QE? Or through $12 trillion in liquidity saving the financial system?

Suppose you want to borrow money to buy a car. The bank is going to charge you interest. The higher the interest rates, the more it will cost you to buy a car. Now suppose the government wants you to borrow money to buy a car. The bank will still make money charging you lower interest if money is cheaper for the bank to borrow. QE basically meant that businesses and investors had a powerful incentive to borrow money to spend on stocks, equities and capital improvements because the Fed said "we got money at lo lo lo rates!" They did not do this for you, me, or anyone who isn't publicly traded.

As for inflation-prone sectors, I've always been confused by healthcare.

That's because it's cartelized and because there's a middle-man extracting profits . First off, you aren't going to shop around for health care. You can shop around for insurance, but unless you're a voracious consumer of health care your knowledge of the market is imperfect. Second off, the fact that insurance companies have to maximize profits by keeping as much as they can and paying out as little as they can creates an adversarial relationship between healthcare providers and insurance providers. Example: Rhogam. We have to give it under state law. It costs us $108 a shot to buy. One of our insurance companies pays us $6 for the shot. So that's a $102 loss we're compelled by law to eat. And since we're in this for profit (also known as "a living"), we will absolutely scattershot every possible category of ICD10 code we can come up with so that (A) we can recoup our $102 Rhogam shot (B) we can pay for the rest of our overhead (C) we can take a little money home.

We can't negotiate that $6. We can either take that insurance or not. You as the consumer have no ability to control whether we take your insurance and you have no ability to control what your insurance pays us. You're along for the ride.

As far as reserve interest rates, sounds lovely. Most of the developed world runs deep deficits. Korea's debt to GDP is 38%; the US is like 112% right now.