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.
It's not even about been poor, it's not just because people are poor that's why they don't invest in stocks, crypto and the likes.Fiat keeps them comfortable and unknown to them,the purchasing power of Fiat is low and it indicates that it's not worth their investments,really because it doesn't worth much or fetches so much value.