Recently, and for the foreseeable future, interest rates are/will be so far below inflation that they truly do not matter. A mattress might be just as good as a bank for the next decade or so.
It's been true for a very long time, and unless we see enormous amounts of growth, it will have to stay true. If you look at Fed plans to raise interest rates, you'll see that even in the highest estimates they're looking at fractions of a percent. Meanwhile, we're having months with 8% annualized inflation.
Until this year, we've hardly had any inflation since before 2008, at least. Deflation was a bigger concern. The margin between inflation and interest rates was very small.
I see what you are asserting, but again, what is all this based on?