Except the people who are really being hurt (as opposed to not benefitting) by the low interest rates, are those retired folk, who saved through their lifetime, and are now reliant on their savings for their income. As a result of the low rates, they're forced to live off their capital (which will likely be more than 15k,at least to start with), so even when rates do back up, they won't have the income. Nightmare for them.