So not only is btc a good store of value u can earn interest on your bitcoin holdings. I'm holding btc and eth and gaining daily interest 3.8% apr on the exchange. Hotbit.io I am also doing defi farming on these holdings. So Additional gains about 9% apr.
Let's say I'm holding 500k usd of btc n eth I will earn about 17k$ interest a year.
There is risk involve at how exchanges can exit scam or hack exchanges.
But it is truly amazing to be gaining interest nowadays. When I first started 3 yrs ago there was none of this interest or defi farming.
I can start early gaining small income earnings rather then buying a house for 1 mil in cali and renting it out for 36k a yr minus property taxes to about 24k a yr.
I'm sure this crypto asset will be a golden age. Instead of finding money by holding land. U can find money by holding btc n eth through interest. Just my opinion.
The idea of staking is very good, just like you, I also save coins for staking. But I do not put on any kind of exchanges or any platform because we do not hold the private keys of the assets that are deposited there. Right now my asset is hidden and staked in a Defi under Comos Atom. Right now ATOM has a 9.45% APR which is much greater than our country’s inflation rate. You are right, in today's era, it is no longer advisable to keep money in the bank. Most of the banks here with us only provide no more than 5% APR. That is why the banks will only eat what we thought we could save but the truth is it only goes to the high inflation rate of the country.
The people who replied to OP were also right, It is also not a good idea to save on exchanges because they are prone to any attack. So it's better to just put it on the Defi platforms where you still hold your assets and you can even use the compounding method that can speed up the accumulation, because there is something called "reinvest".