Fiat interest rate higher than inflation

I am pro bitcoin, 5% of my wealth is in bitcoin and I plan to increase this.

However it annoys me when bitcoin fans say owning FIAT always results in loss of purchasing power. 40% of my wealth is in GBP however it is earning 4.9% interest annually which is higher than GBP’s current inflation. Some of my GBP is even earning 6.17% and can be accessed instantly. Sure, I could be earning 25% average annualised returns with bitcoin but sometimes circumstances require you to have cash on hand. I also understand these interest rates will decrease soon, and they will likely decrease more than inflation. My point is, holding FIAT in a bank does not guarantee a loss of purchasing power.

In fact, Michael Saylor’s advice on the PBD podcast was to hold wealth in a strong currency such as USD for any expenses that you have to pay within the next 1-3 years. And then buy bitcoin with any wealth that is not needed for 3 years or more.