Okay and I agree but how is capitalism a government?

To be fair, we don't want them doing too much stuff with our deposits, since they have to be able to give it back at any point. IIRC they earn most of their money off of lending as a result.

And here I am slaving away making nothing, paying 45% in taxes,

Where the fuck is that one of the lower tax brackets? Where I live 48% is the highest possible rate, including taxes from all levels of government. I hope your government services are pretty dope with that much funding.

Just for what facts are worth, interest rates on savings account are a good 8x higher than 0.5%, at least in a lot of American banks right now. I'm not sure where you are exactly, but central bank rates have risen essentially everywhere, so you should absolutely be able to find better rates than that.

For $10,000 left sitting for 5 years, at 4% that becomes $12,100. At 0.5%, it's $10,250.