If you hold your money long term in regular checking or even bank savings accounts you will become poorer, there is no doubt about that. Inflation will eat away at your purchasing power. You will struggle to find any product a regular bank can offer that will help you beat inflation. Poor people save, smart people invest. Put your money in crypto, stocks, real estate.
You are absolutely right; those without knowledge or intelligence can save money. There is no point in keeping this money in the bank where I can earn profit by investing my own money. If I keep it in the bank, it is investing that money in various activities and earning a lot of profit. That means they are making a profit using my money, but you are not getting anything from the middle. So I also think saving money in the bank is stupid.
If you can profit from investing not only in the crypto space but wherever you like, then that is what you should do. On the other hand, investing in Bitcoin in the crypto space can undoubtedly earn profit after a long time. For this, taking profit by investing is a better way than keeping money in the bank.