Governments around the world are making noises about negative interest rates. No, they are not talking about paying you to borrow money. They are talking about charging you a fee to hold your money in deposit.
If a bank tried this today, people would withdraw their money and deposit it into another bank. If all of the banks tried it together, people would withdraw all of their money as cash and hold it themselves.
"Cash has a lot of virtues. One of them is that it allows people to
engage in voluntary transactions without the knowledge or permission of
anyone else. Governments call this suspicious, but the rest of us call
it something else: Freedom.", Glenn Reynolds: Cash is the currency of freedom.