That's the nakedly unfair part. When the central bank greases the wheels of the economy, it helps out by purchasing financial assets, the owners of which are almost de facto rich people. My internet sarcasm is tingling. Sounds lovely? I know that government budgeting is unlike a household's, but I just don't know enough to evaluate interests-on-reserves and feel patronized when economists say Now, Now, It's A Good Thing.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 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.