If you accept the concept of interest rate, you also need to accept the concept of inflation and deflation, boom and bust. Infalation is also called price rise. All these components are inbuilt in modern economic structure build over the concept of interest rate. You need to understand why interest rate was devised. So that rich peple can enjoy more and poor people can enjoy less. So that rich people can earn more everyday and poor people can loose money without knowing about that. Incidently, I am a rich man, i think so... yeah.