That's okay I guess, as long as the balance is healthy enough.

In all cases, the majority of the fiat in circulation isn't being utilized as money, but rather as investment. The reason fiat has value is because we need and use it as money, and we need it to invest in other assets. It's a 2-way utility factor that makes fiat so useful, even though its value depreciates consistently throughout the years.

Bitcoin does everything fiat does in that regard, except for the fact that with Bitcoin you aren't dealing with long term value depreciation.

The current generation of "investors" are lunatics and parasites that we'll eventually get rid of. Smart money will shake the last few satoshis out of their pockets.