>Savings account in bank = you collect IOUs that over time *loose* their value.

This is totally irrelevant. It's still a savings account. Your whining about irrelevant details is just an attempt to spin things.

> If they lose their value, they objectively cannot ever be a part of savings vehicle.

You save the money. It's saved. Whether it retains its value is irrelevant. You saved it.

> Actual saving vehicles help people to increase the relative value of their savings, not decrease

Good saving vehicles in good economies without inflation do that.

Actual savings vehicles can do either.

Is this so hard to comprehend?