Savings account pays interest. Bitcoin “accounts” doesn’t.
To get interest on Bitcoin you need to assume a number of different risks including custody.
Discussion
A savings account is money you put away to not spend. It's money that you don't have readily available and easy access to without going through a couple extra steps. It's a good analogy for that. I've never put money in a savings account in hopes to earn interest.
Interest is kind of null without inflation.
Bitcoin holds your purchasing power over time. It is an incredible way to save. Low time preference