I am not sure the retailers can be helped Kincella. My understanding is that they are suffering from a combination of online shopping and the fact that mortgage holders are hell bent on paying off their mortgages ASAP leaving nothing for the retailers.
RE: they should have different rates for depositors.... different for businesses, which includes retail and different rates for home loans.
From reading your many previous posts, I am sure you know that rates are market determined for various segments. If you mean that the RBA should have different rates for different segments - that sounds like a great way to start a civil war.
