Why JK though? There are many financial options to at least get more returns than inflation, working for people without fuck you money too. It takes some financial education that we likely have to learn ourselves, but there are options. And it's possible to reasonably lower risks and costs enough by selecting the right financial products.
Though obviously, if you just buy what the bank guy says, the bank will make the profits, not you.
Well, we do air conditioning more and more nowadays...