This means that savings accounts join the U.S. dollar among the losers in this situation. Not that interest rates on savings accounts are likely to drop -- they are already so close to zero that is hardly possible. However, any hope of them finally rising in the first half of this year is quickly vanishing.Of course, home buyers and home owners may benefit from lower mortgage and refinance rates. However, the boost from lower rates may be negated if the deteriorating economy makes loans harder to come by. Mortgage shoppers and stock market investors may find that a weakening economy is not good news for anybody in the long run.