OK I understand the reasoning by which the interest on IF cash is reducing. At the moment I am just questioning if the time and effort required to build them up to improve the country's financial position is worth it - after all an enterprise can trade in shares more easily and, as far as I understand, get paid the same proportion of dividends. A country or CEO can also loan cash out and gain interest.
IF's need some sort of game incentive to be used over and above the profits that can be gained from using a less time consuming method. At the moment that incentive (for me) is the higher interest rate.
I look forward to the future developments of IF's and will continue to use them for now, although it is increasingly difficult to stay motivated to do so.