Is the treasury bill an Economic sabottage to low income earners?

Economic wisdom is very paramount to any lad or lassie, man or woman or whoever is interested in making wealth. Central Bank has offered Kenyans from all walks what we call,the TREASURY BILL, acronymated to T-Bill.Some say T-Bills are meant for the RICH, A myth i will demystify as you learn on. A T-Bill is simply a future cheque with matured interests.Unlike loans where the interests is meant for the lenders(banks) in T-Bill the interests are meant for you.Before you raise your eyebrow read on. The government in a bid of ensuring that it remains with the threshold financial figures within its financial institutions, it welcomed the public to bank their idle money with them.This is how your interest is summed. For instance you have some 200,000 ksh still pondering on what worthy investment you should use them on, while pondering on it, take this money to CBK. Now, once there , the money you banked is patched in groups of hundreds. The 200,000 bob will fragment into 2000 hundreds, hope you comprehend the logic. Now depending on interest rate, in every hundred the government can decide to have a 7.6% interest rate given to you. This approximately means in every 100 bob the government loses roughly 1.80 ksh in your favour. The interest is now multiplied by the patches ie 1.80*2000 which is something close to 2500 shillings in a few times span.The longer the time agreement of witholding the money wth CBK the lower the interest rate and vice versa. So none goes a loss, since with your short time you get higher interest rates far much beyond what other banks would have offered. Another goodie is that with CBK you enjoy safety unlike these smaller financial institutions that could end up being liquidated. Remember CBK is at its helm controlling these smaller financial apparatus. It is like your household is being guarded by presidential security personel. You become 99% safe from externalities. Get your money to the T-Bill, get wealthier as you build the nation simultaneously hence the allegory of killing two birds with one stone.