You are arguing that PoS transfers additional wealth to savers. It is actually a sound argument. Saving in PoW requires a conscious decision to reinvest mining proceeds.
Dafuc?? Saving in PoW requires a conscious decision to not spend your savings. That's it!
Yes, PoS incentivizes saving, or hoarding, or whatever, but doesn't that also mean it will icentivise a deflationary spiral? Or will the 1% you make by saving be counteracted by 3% you lose on spending as in your OP? And wouldn't that 3% fee plus 1% saving reward mean that no one will want to spend their money any more ever?