Saving is something that goes in a place where you can't access it. The reason why most of us end up spending our savings is because we keep them in our bank accounts, which are under our direct access anytime we want.
The best way to save your money is to lock them in your bank (saving accounts) for a specific period. Saving is a habit that must be developed from your childhood and parents have to play there part to teach there kids about this habit.
I really surprised how can someone who hold Bitcoin can say this? are you lend or lock your Bitcoin to centralized platform in order to make you don't have full control over your coins? because you will cashout your Bitcoin if you hold it on your non custodial wallet where you have full control.
You need to take a look with recent FTX bankruptcy, it's the best reason why you shouldn't trust any centralized platform and even it's really popular, there's still a chance your money will gone.
I do not seem to get what you are saying, he is talking about bank but you are talking about centralized exchanges, banks are centralized too but they are not the same as exchanges because all of us use bank. People have different means of savings, but he go with the opinion that people should have fixed deposit in a way the money will not be accessible for sometimes so that he will not be able to spend it, there is nothing like centralized exchange or coins that he talked about.
I also think like that, make a deposit at the bank within a certain period of time. Even a deposit also gives us a few percent of the profits from the money we deposit, but the majority of people in the village prefer to just keep it in an account because their goal is to saving, not to get a percentage. Another consideration, they keep it in an account because they can still access it if there is an emergency need.