It's not limited to deposits. Most money reforms were designed to screw up people keeping their saving at home as well. Also there is inflation, when both depos

It's not limited to deposits. Most money reforms were designed to screw up people keeping their saving at home as well. Also there is inflation, when both deposits and "existing money" get diluted while the printer goes brrr. And investing/keeping money in assets is not exactly widespread there in general population.