I think those people that holds their money in fiat and saves it for the best use that they can are aware of the inflation that lessens the purchasing power of their fiat. But, we don't know if they have some plans of spending it to any asset that they have in their minds. For them, they know that cash is king and that's why they are keepin as much stack in cash that they can. Because if they want to purchase some stocks or even crypto, they have fiat ready for it to be done. There's so much that they can do with it but for me, I like to have balanced portfolio. Have some cash and crypto too.