That is true, no value will be added except the little interest that the banks will credit the owner which is not even enough to cover the cost of the inflation. I think if you're a family man, you'll understand why others are having it balanced but there is also nothing wrong for both, someone who's going to put it mostly in crypto, half or even 3/4 as you have said and someone who's balancing things and as well as those that chose to keep in cash. Those who have most it in cash understands what they do because they don't want to take further risk.
Small interest the bank credit for their member and not balance yet with how decreasing of inflation values and some user make deposit their money in the bank around five until six years later to earn interest under 6%. Its mean not balance yet with how much earn from interest with how decreasing inflation values of the money in the bank. I think hold or save money in the bank as small fund for daily day transaction needed and left of your money allocated at assets can increasing as well as likely investing at the land, property or make investment at bitcoin.
In my country Indonesia, many people still interested to make deposit in the bank for several years later and only earn few percent interest credit from the bank. I don't think its balance with how much our money inflation decreasing than loan interest earn from the Bank where they can earn much from us after borrowing to the other people.