I find what you say very interesting, although I can't give you a valid opinion since I'm a novice in all this
I think it is. Very true you save with interest rates for it. Except in the case of my country, it is not profitable.
Because of how fast inflation is, sometimes I think it's better to spend the money.
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Well, @lavidaesuna, you have come to a good place to learn! Be encouraged, as we all started in the same place. Knowing very little and gradually adding slowly to our knowledge a bit at a time.
If you wish, you can join the Saturday Savers club. You might enjoy the weekly opportunity to learn and earn.
Or perhaps consider what some do, in your situation. Keep your money in a stable form of crypto and only exchange it when you need to spend it. For example, HBD is algorithmically pegged 1:1 to the U. S. dollar.