Most people are not going to invest 100% of their savings in things like stock market (most people might be 60/40 or less). Cash at a bank is the best you can

Most people are not going to invest 100% of their savings in things like stock market (most people might be 60/40 or less). Cash at a bank is the best you can do in terms of risk free asset (for people in CH it's the equivalent of a bond allocation in a portfolio, just with higher return).