You're grasping at straws when you imply people have piles of cash at home whom then "give" it to a bank. It's already in the bank. You get paid directly to your bank account and get additional fiat without a single action on your behalf, with full legal protection. Interest, growing fiat from fiat, is directly integrated into fiat itself.

Not true for Bitcoin. Neither owning your coins in a wallet nor leaving them on an exchange grows your amount of Bitcoin.

Can you give away your Bitcoin to some rogue, fully unregulated party claiming you get back more Bitcoin? Yes, in the same way I can give my fiat to some shady character in the streets. I may get back more fiat. Or I may be permanently parted from my coins.

These things are not the same. Bitcoin does not have interest built in. Not at bank level nor at central bank level. This is radically different from fiat.

> You're grasping at straws when you imply people have piles of cash at home whom then "give" it to a bank.

Into an interest paying account - yes. A savings account like that may be the "don't even mention it" default for you and me. But not for:

- unbanked people in the US (~6%)

- and in the world (much larger https://www.motherjones.com/kevin-drum/2019/06/raw-data-unba...)

- people with non-interest-paying accounts for religious reasons

- people in countries where interest is ~0% or negative (https://dqydj.com/negative-savings-accounts/)