Charles Calomiris, an economics professor at Columbia Business School, says central banks' negative rates policy is idiotic. Edward Conard, author of "The Upside of Inequality: How Good Intentions Undermine the Middle Class," on saving America's Middle Class. Louise Yamada Technical Research's Louise Yamada says the Fed is keeping equities propped up. Brian Kelly, founding CEO of The Points Guy, says the Starwood program won't go away anytime soon.