These're what the governments wouldn't tell us that's why they're discouraging bitcoin and crypto currency while countries with the visions to rescue their citizens from that dark will always support it regardless that it's decentralized but also volatile and store of values.
Holding our funds on bitcoin ahead of the economy improvements or manipulations is a safe haven against inflations admitting that as the economy grows is the more recessions in the future where only valuable and potential assets with stronger market cap backed can help it.
People don't know that banks doesn't even have more than 60% of their deposits in their vault, more of their money at not sitting in the banks, they are doing well in business, laon to private companies and government and some to bonds to support the government but they think they are doing something good with bank deposit. After a year of having your money, you will found out that inflation has eaten everything and bank will only give guy tiny interest rate.
If you are not making savings for emergency purposes or miscellaneous needs, you are as good as a failed person with low financial understanding of the fiat system and you are only bringing more suffering to your finance. Savings for health or short term plans are not bad, we all have something to do with fiat money once in a while but doing it as a whole is very bad. I will rather have my money invested on government bonds and be inflation free since the interest rate is higher than lock my money with banks.