Does a rotting apple steal itself from you? Maybe you should think about eating it before it spoils? Ever thought about how human labor cannot be stored and money is basically a labor coupon via debt? Alternatively, if you truly insist on maintaining value, then you should try to buy the most durable good you can get your hands on because human labor spoils very quickly during unemployment.

>You will be forced to consume. And you will be happy.

That's literally how the damn economy works. If you don't want to buy anything or save in real assets then why the hell did you work for the money? Have you thought about working less instead of piling up green pieces of paper? Money that is saved cannot be earned by other people, it's that simple. It doesn't drive investment or business activity, it's just dead money doing nothing.