Exactly. That's why I hold 0 balance in my bank account. I still have bank accounts because I have some business to deal with and that I can't escape them.

Saving fiat money is absolutely unnecessary and a foolish act IMO. People must try to learn how to make their money regenerative and reproductive. Without reproduction, it will be of no use. Also, if that's not naturally (like printing them) done, I believe it will be extinct and powerless one day.