You are discussing a theoretical world. In the real world, interest rates are 0. I can't find a SINGLE savings account over 1%, while inflation is over 5%: ht

You are discussing a theoretical world. In the real world, interest rates are 0. I can't find a SINGLE savings account over 1%, while inflation is over 5%: https://www.bankrate.com/banking/savings/rates/ https://www.bankrate.com/banking/savings/rates/ Treasury bonds are barely better -- 10yr < 2% (!)