One more thing I like pointing out is that you are benefitting from riba by holding fiat.

People often have this erroneous view that being on the borrowing end of riba is not as bad as the lending end. While this is not true, and both are forbidden, people are more ok with entering riba loans because they are the "victims" of riba.

With fiat, you are on the other end. You are devalued when the banks lend it, and you stand to gain when they collect back with interest. Your money is worth more (relatively) when rates are high, specifically because every borrower in the economy is being extorted with higher rates to prop up your money.

You have a vested interest in the enslavement of everyone else, just so that money can retain its value another year.