Most rich people understand about inflation and the empty value of paper money. Paper money becomes worthless every year. As a result, assets such as property or gold continue to increase every year. This is why rich people do not want to accumulate paper money in their accounts. I once saw a podcast from a billionaire in my country. He said that for him having millions of dollars in his account was very scary. Because it means he does not have the ability to put the money to work and make more money. And that makes him keep thinking about putting his money in productive places such as stocks, gold, bonds or property. The point is, there should be no money sitting in the bank. Yes, rich people can do that because their money is more than enough for daily needs.