Is there any benefit for the average user that simply hold Monero in the wallet?
Any rewards for long-term holders? some sort of stake rewards such as other PoS/PoI coins got Harvest/Rewards/Commissions/Dividends/Fee's just for keeping the coins/tokens inside the wallet.. offline or online wallet
Ofcorse it is. Noone can take it from you. It is yours. A fungible cryto currency you can send anywhere on the world. What else do you want beside financial freedom?
Liberty to create value is not a get-rich-quick scheme.
Security against extortionists does not yeild a rentier's coupon.
In each of these dilemmas, Monero offers the former, but lacks appeal for those seeking the latter.
Personally, I wouldn't have it any other way. It is only the uncertainty of woolier, more timid minds that creates a mispricing to be exploited by those whose vision is bold and clear.