This is not a question but a financial mistake. I mean, why do you need a fiat in the first and what is that monthly interest rate you are talking about? Let me tell you something, USA which I respect so much because they are good in inflation management, perhaps their banking annually interest rates might favor people that save money in the bank but I'm not sure if that works in a country like mine because under a year, inflation might double that amount of interest the banks will give you in a savings account.

To sum it up, if you have a savings account, make sure you don't attach email, debit and credit card to them and also deactivate the sms alert system, not because they are not good but the charges bank will deduct from your savings money might be 2x the amount of annually interest rate they will give you at the end of the day, I hope you see that saving is verb complicated if you don't know how to use the system.

I will not force you but please buy bitcoin if you have the means but don't do it under stress, but it when you know you are fully prepared and ready for it, you will not regret every buying it provided that you buy at the bottom, don't buy at the top