In this case, the last decade of monetary policy has been about pushing people to find passive savings unattractive. Their dreams of generational wealth from merely having a savings account totally wrecked because their life span cannot withstand the paultry compounding interest at a fraction of a percent.
Therefore creating incentives like you have imagined would further be at odds with the goal of keeping the money supply circulating, instead of parked in passive accounts.
The point is to keep everyone desperate for returns and using their entire mind share to find the best returns. Amongst the winners and failures you have individuals throwing their money across asset classes and the entire planet, which allows for easy accounting of the money supply and high velocity.