I agree, the bank system can’t add any value rather they claim to store your money using a third party. Everyone in general make use of the bank system either for different purpose commonly used for purchase else why store a huge amount in the bank and expect a value in return when we all know the nature of fiat, it certain a country currency might experience fall in value once in a while.
It is a certainty that by saving money in a bank, especially over a relatively long period of time, the value of the money will decrease in value, and that will definitely happen. It is necessary to consider all of that in addition to its value decreasing due to inflation that will occur and monthly fee deductions, of course, that will happen in the bank, because the longer it is, the less its value will exist.