An FDIC insured bank account is already limited to a specific amount in order to prevent the 'rich' from free-riding. It still isn't clear to me why you would

An FDIC insured bank account is already limited to a specific amount in order to prevent the 'rich' from free-riding. It still isn't clear to me why you would try to justify a system that doesn't allow an average wage earner or pensioner the mere possibility of earning a positive inflation adjusted (not risk-adjusted) return on savings? Why are risk-free inflation-adjusted savings options for the working class a negative thing? That's all Bitcoin really is, on a long-term basis for most people.