Thanks for saying this in loud... There are numerous additional problems with "traditional" savings and one of them is that the inflation that you stated was average BEFORE, but I doubt that we will see that number in the future...
Also, we have a similar situation in crypto... With different tokens, De-fi pool, "juicy" APRs on screen, but when you calculate impermanent losses, your "earnings" vanish and you finish with millions of worthless tokens in the pool... If you didn't take any profits during the time, you will lose even more by compounding...
Nobody knows the future, but doing some calculations with numbers from the past (like you did) is enough to stay away from certain projects...
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