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.
Here's the tricky thing about characterizing economics as "unfair" - "fairness" is not a key characteristic of capitalism. From a sociological standpoint you can absolutely advance fairness as a crucial component of society but outside of command economies, "supply & demand" depends on "winners & losers". I wasn't actually being sarcastic. I'm not at all up on Korean economics. I know two things: 1) Korea went from "that shithole you see on MASH reruns" to "that crazy metropolis you see in Psy videos" by going yo dog we herd u leik fascism for just long enough to pull themselves out of the third world at which point they pivoted hard to a market economy. So hard, in fact, that they were held up as "the next Japan" until they had labor riots and an uprising and went pop we're a democracy now. I think if you asked the average American which is older, Die Hard or "Korean Democracy" they'd probably pick the government. 2) One of my favorite "everything you know about economics is wrong" books is by a Korean economist. In fact, I would not turn down any suggestions you get as far as English-language books about Korean history, particularly modern (say 1900-on) Korean history. I would love to find an Asian version of Destiny Disrupted.