Not linking to every post this concerns, but there are several things you have said that just don't mesh. I'm not repeating them, but addressing them some below;
1)The government through the Federal Reserve lends money at interest to Banks. That is a given, even you should understand and accept. You seemingly don't accept that an interest return on money, even to the government constitutes income. What economic book did you get that from?
2) I've pointed out that the Federal Reserve has become a competitor against seniors by undercutting the interest rate they are able to obtain. That is not a proper use of the Federal Reserve power and is one reason Greenspan must either change or go.
3) Just as those who are now seniors deserted the S&L's in the 80's to gain more income through higher interest rates offered elsewhere, now we have Banks doing the same in reverse, deserting those depositors using the guarantee of inordinately low prime lending rate from the Federal Reserve to lower the interest rate they now pay to depositors. I'm not placing blame here on them, they are doing what makes the most business sense.
4) In simplest terms, if the Federal Reserve will raise the prime lending rate then the interest rate that seniors can make from deposits will also increase. This raise in prime lending rate is the easiest broad base way to correct some economic problems, alleviating need for new taxes. This raise by almost 2 points in the prime lending rate is all I want to see and don't see why you argue the point so much, since it's benefit to seniors, yea all depositors seems obvious to almost anyone. It will put more power over the use of money back to the people.
5)Seniors with a more secure income lower costs to the Federal government, some will also pay taxes on that income.
6)If the stock market starts to take off again, then you can be sure the Seniors still able will move their funds back into it, and that's only going to hurt the banks.
All of the above is obvious, but knock yourself out arguing with it if you wish.