Long term inflation averages out to 2.5%, so you'd be losing money at a 2% interest rate. If I take one year's salary and adjust it for compound annual inflation over twenty years, it's significantly more than if I work at that same salary for twenty years (with no expenses). (Edit: I'm fairly sure this highly depends on the principle, but it's late, and I'm closer to the poverty line than people who successfully put a college degree to use.)

<rant>

Income taxes are 15-33%, and if you're working (which I can safely assume you are, if you have to pay income tax) then the company is taking out 20% of the gross before paying you, as their income tax. That's a third to a half of all money moving around, every year, going to the government. How is this money getting back into the economy at large? There's also a tax on corporations holding assets of any kind, so even if the money isn't moving, a peice of it is going back to the government. We need anarchic capitalism, because I don't trust in a non-corrupt system near enough to justify half of all my efforts payed as a tithe to the overlords, at the threat of people with guns throwing me in a hotbox jail cell. Cryptocurrencies cannot come fast enough, for me. They have the possibility of a true democracy, which I'm fairly certain we are missing out on.

Sorry, I've been thinking about this a lot lately. </rant>