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Say $100 buys all the groceries you need for the month.
You put $100 in a 3-month CD that pays a 3-month rate of 2%. And assume the second scenario where money is just created for you and not put to work. You receive $102 back after 3 months, but now it costs you $102 to buy all the same groceries for the month that used to cost $100.
but with pos, if the value of the coin goes up 3x and you still have the same amount of coins, then you can buy $300 worth of groceries (or still the $100 worth and have $200 leftover). PLUS the 1% interest you have earned has also increased 3x. compound interest. With pos you are rewarded for holding onto your coins. (attempts to dissuade stakeholders from dumping them onto an exchange). your crypto works for you. i like crypto working for me rather than working for my crypto.