I believe that hardly any of the wealthy and successful people around us keep money in the bank with the expectation of making a profit. They keep funds there primarily to facilitate daily financial transactions or to meet requirements for securing bank loans. Currently—especially in my country—adopting Bitcoin as a medium of exchange isn't feasible, as only a small fraction of the population knows how to use a Bitcoin wallet. If the goal is to generate profit, bank time deposits are not a viable option—unless the funds are specifically intended for living expenses. I suspect wealthy individuals allocate less than 10% of their assets to time deposits. I recall a podcast where someone mentioned keeping only about $100,000 in a deposit earning 5–6% annual interest; they used the interest income to cover daily living expenses, as they could live comfortably on around $500 a month. However, the bulk of their wealth was held in other assets, such as gold, silver, government bonds, stocks, and Bitcoin.

Ultimately, the point is that banks aren't the best place to invest your money. And while Bitcoin was originally conceived as a medium of exchange that operates without third-party intermediaries, I believe it currently serves as an excellent—albeit high-risk—investment asset.

The better option lies in the decision you make. That’s the most common answer, but it’s the truth I have to point out: since people who choose to invest in a bank do so based on a predetermined interest rate, they can calculate exactly how much profit they’ll earn over a specific period.
As for me, I’d choose Bitcoin. My analysis is quite simple. I can get a return that covers the purchase price with every move I make. I’ve already achieved that, and from those returns, I’ve been able to buy several items I wanted—it didn’t even take 10 years, just one all-time high (ATH).

You are considering ATH as a target for returns. Your strategy is good but it is not a sustainable approach for long term investment. Personally I think that 4-10 years of DCA is the most appropriate.

In the traditional banking system a person deposits money in the bank to grow his funds. If they had literally known the bad effects of inflation, they would not have made this fool and misleading decision for a small interest rate. In the traditional banking system, while you may see some growth in your principal fund due to interest rate, its value is actually decreasing.

Choosing Bitcoin for the long term is the best strategy, experienced and intelligent investors choose the best investment strategies.

The difference is clear, the bank doesn't have the same atmosphere as Bitcoin. Having Bitcoin is in the class of having share in the bank which is far above fixed deposit or having huge amount of money in the bank.
Talking about inflation, BTC has an upper hand to keep your funds above inflation unlike bank where it probably remain under the control of inflation. Honestly there's no point of comparison so far but you can go on with both if you don't mind, carrying on with Bitcoin and then moving every free money coming from the bank to Bitcoin.

My advise for you is to do what works for you and do not seek for any advise to know what people really thinks about your investment. Getting free money has always been the goal but this has not been easy for a struggling man that have plenty responsibility to carry, making sure family meets their daily needs. Your investment pattern is pretty cool but I think if you use the money for business, you could make more money that want you are expecting from your savings. Invest and make more money if you think it will work for you.

People enjoy self-deception, which most often stems from a lack of information. You are right that bank depositors, typically from the older generation, who grew up within the traditional financial system, see only the "attractive" interest rates on deposits but fail to see real inflation and the purchasing power of money.

And what would you choose if you were starving to death? A chocolate bar or a piece of metal you couldn't chew? It all depends on your needs. At the moment.

The smart ones are those who manage to convince these people to hand over their money for low-interest deposits.

Not everyone notices the impact on purchasing power, as most people dislike "crunching the numbers" and live paycheck to paycheck. Yet, one would think that every trip to the store ought to "open one's eyes to reality", given that with each visit, you can buy fewer and fewer goods.

Because inflation varies from country to country. It is lower in developed countries and higher in developing ones. Because of this, the interest rates charged by banks in different countries vary.

Don't forget about "hidden" taxes, too; because of it, the total tax usually amounts to 50–60% of income.

This gave me an idea: what if, during a bear market, kept my money in a bank deposit earning interest, then closer to the start of a bull run, invested in bitcoin, waited for it to hit an ATH, sold for a profit, and put the money back into a bank deposit to earn interest during the next bear trend? In other words, trying to profit from both "systems"?

There are very few countries like Switzerland with inflation rate of 0.8% in 2026 and its pertinent to mention that it was 0.4% in August 2025. Generally inflation is high these days and it keep on increasing with every passing year in most of the countries. Now if we are living in country where inflation is high then for investment purpose its best to use Bitcoin because we have seen that general trend with Bitcoin price is that it goes up in the long term. Fiat is losing its value in most of the countries because of inflation and solution is to invest in Bitcoin to beat inflation.