Slipped my mind I forgot, low returns on savings is also a consequence if the interest rates on your savings accounts or other fixed-income investments don't keep up with inflation, the real returns on those investments may be negative. Even though you're earning interest, the purchasing power of your savings is actually decreasing.

It'll prove useful putting these factors in mind and consider strategies to protect and grow your savings in the face of inflation, finding alternative ways of income could also help in some way, like investing in bonds and stocks I mentioned earlier. Bitcoin clearly has higher returns if you go about it with the right knowledge and understanding. At some point it gets to doing whatever works best for you and yields credible enough results for you.