The obvious choice is 2.

The saddest part of inflation is it steals from the most vulnerable.

If my son put his baptism money into a bank account today it would be deflated to worthless by the time he understood how to manage it.

I opt out, for him. nostr:note1lt8em2cfn6klcxgjm3n34555jq0d2u8z2n2gcn74er78xr5mq6hsx7gte9