Holding cash is a losing strategy over time, which is bad for savers who think a bank account keeps their money safe.

• Cash sitting still earns nothing and loses value every year to inflation.
• Even in a bank or money market fund, the interest barely keeps up with rising prices.
• With inflation around 3–4% a year, your buying power shrinks even as the balance stays the same.
• Worse, you owe taxes on that interest, even though you didn't really gain anything after inflation.

Outlook: Cash will keep quietly losing value, so savers are better off in assets that outpace inflation.