Why shouldn't money be kept in a bank

Nowadays the interest rate on keeping money in the bank is 4%

3.5% in some places. But the inflation

The inflation rate rises by an average of 5–6%.

Your necessities increase by 10 to 15% every year.

If you have money in bank

You are thinking that next year you will get your child with a bicycle

So buy a cycle with bank money today

Next year, the cycle rate will increase by 10%.

If you keep money in the bank, the opportunity cost is high.

You might learn a new skill with that money

Invest in a good place to get higher interest rate

Or with that money you buy a shop and rent it

and get his rent for all his life.

There are so many examples