For example, ordinary citizens could be allowed zero-interest-transactions balances (up to a limit).
The orange segment really balances up the saltiness of the olive and helps with the slight kick of the chilli.
"Surprisingly, there are a lot of well-to-do individuals who run their credit balances up to the limit and live paycheck to paycheck even if it's a large paycheck," Shapiro says.
Lloyds pays 4% on balances up to £5,000.
After 12 months the rate reverts to 1% on balances up to £2,500.
Other options worth considering include Nationwide's Flex Direct account, which pays 5% interest on balances up to £2,500 for the first year only, Lloyds Club account which pays tiered interest of up to 4% on balances up to £5,000, TSB's Classic Plus, which pays 5% on balances up to £2,000 and Tesco, which pays 3% on balances up to £3,000.
Santander's 123 account is paying 1.5% on balances up to £20,000.
Take Alliance & Leicester's branch Isa, which pays just 0.1% interest on balances up to £40,000 and 0.5% above that.
Its savings accounts offer a decent 5% interest rate, but only on balances up to $5,000.
As of 1 November they will receive a flat 1.5% interest on balances up to £20,000.
TSB is currently offering 5% interest on current account balances up to £2,000, plus 5% cashback on contactless payments.
