If you aren't increasing your stack your aren't capturing anything, at best you are keeping what you earned and if productivity in the economy is going up while you are idling then you also benefit from that. But the guy who is working and increasing his stack will gain the "no risk benefit" of BTC while also making more BTC.

Ps. BTC is not no risk atm! This is a potential future where btc is extremely widespread and there is plenty of money for miners. To put it simply.