I think the best strategy is just not saving any money, and if you suddenly need some, like a medical expense, just take up a loan.
With the interest rates on loans much lower than 12% you win.
Discussion
Work and store/save your value in hard monies that cannot be debased and avoid Faustian bargains know as debt traps or debt slavery.
Whom the gods would destroy, they first cause to borrow at low rates of interest!