At a glance, it might seem that simple. In more depth, people who try to hold money essentially don't have a place they can easily park and access it other than a bank. People get forced into a fractional reserve system. That fractional reserve system in turn needs a lot of extra work and systems behind it to function. Bitcoin is a way for people to keep and move money without being subject to either money printing or fractional reserve. So it is, in part, a replacement for that system.