Saving is never a wise thing to do. You should invest your money instead of saving. Saving is for people do not have the power to risk their money for a bigger profit. There are many places you can put your money in. The cryptocurrency is just an example. You can invest your money in real estate, opening your own business, etc
You have a point it's no use if your money will be stock, an I think a better solution for it is to invest which makes your profit will become bigger.
investing in various portfolios will make our money increase rather than just in the bank. although it has a risk, but it would be better if we use it to invest. we just choose a portfolio with a small risk.