Savings aren’t idle though.

If you deposit 1000 euros to a savings account paying 1% interest, the bank doesn’t just put your money out the way and generously give you 1% extra a year.

No, they take your money and invest it in something else, with the goal of making 10+%, pocket the majority of it and throw you a small kickback for letting them use your money to make themselves richer.

The money is hard at work. It’s just the saver that isn’t seeing much benefit from this.