The whole point of inflation is to disincentivize people from holding money in the first place. Money only has value when it moves, not when it's stuffed under a mattress. I really think we need to bring back mandatory economics classes in high school.
The idea is that you use it to invest: into real estate, into equities, into bonds, heck even a savings account collateralizes mortgages. Yes, even your magic beans represent the system working. The system is designed to encourage the continued survival of the most economically fit companies, etc, by your picking winners.
Don't hold money. Certainly not more than you need in the event of an emergency.
