This is exactly how Americans feel about their Savings account/s. We faithfully compel ourselves to save a little cash flow through the encouragement by the banking system who is willing to pay you less than your future can depend upon to ensure your surviving heirs success. If you earn 1% on your bank checking or savings accounts, you will still fall short in the end due to the ongoing monthly account fees charged against your accounts every month. So,
if your earning nothing, why are you concentrating on a system that will guarantee you nothing?
If you want to turn the tables, you become the bank. Either become the bank, or continue to be the slave of the bank.