Borrower win, Savers lose in Fed decision.

I understand why you keep interest rates low for people already borrowing money, but people unnecessarily borrowing and being financially incompetent is a big reason for the average person having money problems. On top of that, you keep savings interest low, basically creating zero reason to invest in a CD or any savings program like that....just seems like we have been telling people for the last few years to be smarter with their money, yet provide no real reward for doing so, in fact provide more opportunity for people to spend the money they do not yet have, in hopes they can just pay it off with low interest...doesn't seem like we are learning anything

http://finance.yahoo.com/blogs/daily-ticker/borrowers-win-savers-lose-fed-stands-pat-again-171857840.html