Americans now park $8.2 trillion in money market funds. More than a quarter of US GDP, sitting in cash equivalents. Rate cuts are supposed to drain money market funds. Lower yields push savers into stocks and bonds. The Fed has cut six times since September 2024, money market yields fell from 5.2% to 3.6%, and $935 billion still flowed INTO MMFs last year. Another $162 billion arrived in the first ten weeks of 2026. The arithmetic explains why. National average savings account: 0.41%.…