But at the same time it's something worth keeping too since I do the same with my fiat in bank for more than 2years without touching it.
Is it true?
I think the bank only considers your account inactive when they are done dredging your savings for monthly fees until it is left with zero after a few years.
It doesn't apply to bitcoin. There are no exact parameters for considering bitcoins to lose access. The owner can leave without touching it indefinitely without even 1 sat of deduction.