When you save money, do you save for the long term or for 1.5 months from now? If you save for the long term, and you're earning 0.5% interest on your $10K, how much less can you buy with it now, in terms of real estate, rent, stocks, commodities, etc?
Also, note it is entirely possible to invest on what's called a risk curve. You can allocate some portion of your savings, maybe 5-10% as a hedge. No need to go all in. Maybe 0.5%. at any rate, your savings account has cost you 50% or more in purchasing power for meaningful assets in the past 5 years. While you've gained a great deal of purchasing power if you held crypto.