Savings isnt savings anymore thats why, its debt paper and hence what should be solid currency to be kept overnight while you sleep possibly even appreciate in a savings interest account no longer does.
That whole idea is a legacy concept that doesnt especially apply in the modern era, its very hard to save now it has to be asset investment and constant speculation often to get some gains ahead of inflation.
The word saving equates to giving money into custody for no interest at all these days.
People should consider investing to be the new saving. Bascially you are losing money if you don't invest and if you are losing money you ain't saving anything buddy.
That's why people need to wake up and invest.