The longevity of an account doesn't justify the user's knowledge but I guess the user is stuck with the idea that education is the only thing to thrive in this world whereas it's all scams just like the fiat currency because most people who are Billionaires now are dropouts.
Having said that, the idea of saving fiat is a waste. Why would anyone save fiat currency when the government keeps printing more of it? It is better to invest in Bitcoin and Gold.
I totally feel what you are passing through, I understand you very well, To be frank I wouldn't advise you to save money while there are myriads of financial problems, I would advise you save when there is much. That is when you are less expenses spree. You can save the little you can for emergency purpose. But in a situation where you don't have much please avoid saving.
You don't feel what I am saying cause I am not talking about what I am passing through but telling people the fact about fiat currency because the government keeps printing excess currency which is making the previously printed fiat currency worthless and you can't keep saving in that same fiat currency which the banks used your money to enrich their pursue through your saving and expect a good result