You may feel like your accounts are stable and nothing is disappearing but by CPI inflation calculations (https://www.bls.gov/data/inflation_calculator.htm), any money you had in that account 30 years ago has lost half its buying power.
If you want to keep the money that you have worked for over the long term, your checking and savings account are not going to cut it.
If you want to keep the money that you have worked for over the long term, your checking and savings account are not going to cut it.