You can move away from bank for ‘savings’ much sooner than that, even now if you are keen enough. You have good, reliable defi options for that.
This is what it actually means to be your own bank – you are in total control of investing and growing your money. You can do that with defi, right now. In few months after ETH 2.0, this will go mainstream.
You just convert what you want to spend into fiat for your expenses. Even for that you have many crypto based cards.