I would expect no less from a banker, LOL. And you may be right but the Austrian school of economics group thinks differently. At any rate it is unlikely to change so it is what it is.

When I say I'm out of debt that is a little untruthful. I still have one farm that I kept the loan on. It is at 3% and I wanted to keep a relationship with my lender so I keep making the payments even though there is money in the bank to pay it off. I have been taking out CD's at 3.85%. I was a board member for a couple of terms on that particular Farm Credit bank and so have a sentimental attachment to the organization. Met a lot of good people through that time on the board and learned a lot. Made me a LOT better customer and borrower by being on the board. All the silly stuff I thought the loan officers wanted made sense after being on the audit comittee for a while.