If you’re an individual with a lot of cash that would be a pain to split up into accounts with less than the FDIC insured limit, then a negative interest rate might be attractive.
While true, cash management accounts that'll insure up to $1.5 million in cash across many underlying banks is now a commodity offering (Fidelity, SoFI, Personal Capital, to name a few). As an individual, it's rare you're keeping more than that liquid.
