So they make inflation more, and people lose purchasing power in a savings account, and instead invest, which pumps up stock prices for the whales who knows when to cash out.

That’s… not really how that works. I mean inflation is there to keep people from saving when they could be investing their money, but that’s not to make money for the whales. Money sitting in a bank account doing nothing is bad (economically speaking) even when the owner of the money isn’t rich. More money moving is better for everyone.