I propose that the government issue or simply amend a regulation to ensure that the value of the funds deposited in the bank is maintained at the average rate of return on other assets.
Banks charge the cost of maintaining the funds and only charge extremely low interest. Banks lending the same funds charge substantial interest, which includes the depreciation of the money with inflation, and the money lent is not the bank's property but is the property of the depositors and other sources. Banks therefore preserve the value of the borrowed funds, but appropriate the result instead of attributing it to the owners. Most people are not aware of this, and the banks take advantage of it, speculatively defrauding depositors.
Inflation is not the only sign of value adjustment. The data on house rents shows that money invested in property returns the purchase price of the house after only three years or less - the smaller flats observed. Profitability without real control by the FURS makes this situation possible, and levelling the playing field for everyone is the basic purpose of any state, which also ensures the economic security of its citizens.