Keeping all your money in one bank account is one way to keep earning and not be able to save or invest for future purposes.
It is not even wise to keep your whole money in a bank account because if you are caught using your bank account to withdraw fiat or pay for bitcoin transactions in a P2P trade, your bank account will be closed. It will be safer to keep the money you will use to run your daily needs rather than keep your whole money in a bank account. Op, we can save up money with our bank accounts as long as we want to keep our money in our bank accounts and also save up the money we can use to invest in the future, so I don't know who told you we can't save up money in our bank accounts that we can use and invest in the future. It is inflation and how the government will implement a policy that will not allow us to access our money any time we want to, which makes us keep most of our money in bitcoin. And when you keep your money in bitcoin, nobody or the government will be able to know how much you are worth because they can't spy on you.