I think it is definitely wiser to invest it. If you just hold your savings, then you still have a risk of say, a bank run, or the currency itself depreciating in value. You can however hedge against that with smart investment choices. This is why investors, but not savers, are the richest people in the world. Also, investing means that you are helping other people to get their projects started. It's a win-win situation, if you pick the right investments to aim at.
Investing is always the better option since with saving alone you won't come anywhere with interest rates being on an all time low. On top of that you also face the issue of fiat losing value.
But you have to know where to invest. If you look at how people here seem to invest, then I can't really call it investing since it has more similarities with gambling.
Aside from that, the majority of the people don't really care whether their investment in a certain project or start-up helps them our or not. They just care about the potential returns.
