How Does a Money Market Account Work?

[buffett]

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3.75%+ with zero risk? why on earth would somebody put their money in an account giving less then?

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Recently I sent an email to about two dozen friends and family members telling them about the ING savings account. If they signed up, they would have gotten a bonus of $x (I forget what) and I would have gotten $25. How many of these people (who know and trust and love me) took the time to sign up for this obviously-more-beneficial-than-what-they-have-now account? One.
The average American never ceases to amaze me with his level of cluelessness and inertia in regard to finances.