Midnight at 3 a.m., you are awakened once again by the numbers on your account. The figure on your mobile banking app is flickering—your hard-earned savings shrinking again in your sleep. A rough calculation shows that over the past year, those investment returns far lag behind the speed at which your money is losing value.

You work hard, spend rationally, and strictly follow all financial rules. But it’s like trying to bail water from a leaking boat—hidden leaks, disguised by the grand term "inflation," continuously drain your future savings. When anger surges, there’s nowhere to vent, as if you’re fighting the air.

This is not an isolated case. Hundreds of millions of people worldwide are experiencing the same daily struggles. Maria, a primary school teacher in Buenos Aires, must spend or exchange her monthly salary within 24 hours, or she might not even be able to buy bread on Monday. Housewives in São Paulo need to complete their shopping before weekly price tags are updated.

Their currencies are experiencing "legitimate evaporation" of dozens, even hundreds of percent each year. The stability and security promised by traditional financial systems have long been just scrap paper here. When savings become self-punishment, and hard work cannot resist systemic decay, how can ordinary people truly protect the value of their labor?

This is the real issue. Under today’s global monetary system, what does passive holding of fiat currency mean for ordinary people?