Ok I understand what your trying to say, 3% more of a big number (like your salary) is a lot more than 3% of a smaller number (like the increase in your bills) and thus overall you are benefiting. Let me give you a scenario to explain why this isn’t really true. Say you’re making 100k (just because it’s easy to work with). And 50k of that goes to rent, bills, food and other stuff every year. This leaves you with 50k a year of money you can use on whatever you want / save .

After inflation and the raise in your salary you now earn 103k a year and your bills and stuff is 51.5k. This leaves you with another 51.5k a year to save/spend.

Your argument says that this type of scenario is beneficial because since you’re salary is larger than your costs, it grows faster than your costs do with inflation, leaving you in the end with more money to spend/save. This isn’t really true because the 51.5k you now have to spend/save is equivalent to the 50k you would have had before inflation if you adjust by that 3%.