not everyone wants to actively invest their money, "spend/invest your money or lose it" is a pretty shitty attitude

It’s the reality. Money is an abstraction over value. You provide value to get money, you spend money receive value. Some value is provided by nature (clean air, wild berries, etc.) and is therefore priceless. However, most value is created by applying energy and human attention to base inputs. Money is not a battery for work in the physics sense, or for work in the labor sense. If you earn money through labor today, there is no guarantee that there will be someone tomorrow willing or able to do the same labor you did for the same money. Humans want to believe in stored value (see bitcoiers, goldbugs), but the reality is the majority of value in the world is delivered by systems that must be continually operated such as energy grids, water systems, retailers, internet infrastructure providers, farms, and factories. There is nothing that guarantees these systems will exist tomorrow except for the efforts or regular people like you and me, so there is nothing that guarantees that your money will be worth anything tomorrow except for the belief that everyone will keep showing up and trying.