I don't know anyone who has a fiat savings account though. 

I mean, I know it's a thing. When I withdraw money from my ATM, for example, it asks, "Checking or Savings?" But I don't recall ever meeting anyone who's used a savings account. For no-coiners, excess capital just goes into stocks and real estate and treasuries. Or for us, Bitcoin.

But fiat savings? I just don't see that too often, do you?