I don't think the basic premise that 'some' inflation is needed is going to change anytime soon. Like you said, if there was zero inflation, there would be no incentive to invest. People with generational wealth would simply sit over it and earn interest because they wouldn't have to care about beating inflation.
And banks wouldn't offer interest rate if you hand them your money, actually the banks will charge some fees in order to survive. The government know people wouldn't want to lose money, instead they create this system where people didn't feel they lose money and the banks can make more money by offer people to lend. Without printing new money, the banks can't lend.
Fortunately education is become wide and people now already realize if banks and fiat are the real scams.
Banks used to perform a useful function in our society, by allowing those that had excess money to keep their money safe for them, while the banks lent that money to those that were in need of it for a fee, this way everyone won and this made the economy to move forward, but banks created fractional reserve banking, raised the interest rates for their loans and stopped giving any returns to those that deposited their money with them, so they became the only winners and made a lot of money, but because of this, people are slowly losing the trust they had on banks and they are looking for alternatives to save their money.