This is why all the capital that I seek a return on is in some sort of active investment (stocks, mutual funds, ETFs, et cetera, both the long and short positions), only the portion that I want risk-free and zero return are in money markets, and only the liquidity that I need to get through my days, more or less, are in the bank.
But as for you, if you are a long-suffering German, forced to work for low pay so others can consume, and then bail them out at that-- you should not be saving. You should be spending! Or at least, demand that your employer raise your wages
