If you have access to a stable currency, equities, bonds, etc - then sure, using Monero as a savings account seems less than ideal due to the volatility. However, compared with unstable currencies in places like Somalia, Iraq, Zimbabwe, North Korea, Venezuela, etc - it's not a crazy idea to think that Monero or other cryptocoins could be a better store of value. The biggest issue is getting in and out of Monero since most of that is conducted through BTC and if you already have that, one could argue that you have a more stable saving account right there.
Does "stable" mean stable
price?
I haven't done the numbers, but Monero's exchange rate (in dollars) might be no more volatile than bitcoin's, from the look of things.
There's no fiat market to speak of for Monero, which is a problem.
