There are some bad aspects of keeping money in the bank like if you keep a huge amount of money in the bank then you can't withdraw the whole amount immediately for your urgent needs because the bank doesn't hold that money. On the other hand, in the current situation, the rate of inflation is much higher than the bank profit, so the value of money keeps decreasing day by day if money is kept in the bank. The more money you have, the more you worry about keeping it safe. so I agree with the op that money can never buy happiness. but you cannot be happy without money. We need money but in normal amounts
Saving a large amount of money in a bank is certainly not the right choice and also profitable for us and in this case it will be very detrimental when inflation occurs the amount of money saved in the bank will certainly remain the same but the value of the money has been very different from the situation before inflation not to mention as you have mentioned when you need a large amount of money then it will be very unlikely for the bank to give the money that we have saved and there will also be many requirements that they give when you want to withdraw it.
Everyone will certainly agree that not all happiness can be obtained with money, but we also realize that without money it will certainly be difficult to obtain happiness, so no matter how much money we have, we must be able to accept it so that we can have happiness in anything.