Everyone who bought Bitcoin 2 weeks ago has already experienced far greater negative losses than any Danish bank customer will over the next year. Danes can buy US government bonds quite easily if they want risk-free positive yields.
Then they are exposed to exchange rate movements.
Of course, past performance doesn't indicate future, but so far, BTC has performed much better than fiat consistently.
And before you lecture about the function of fiat currency, remember the bottom half of society is forced to keep their entire net worth in cash because they are in a continuous financial emergency...
The bottom half of society also hold large amounts of debt, one of the key functions of inflation is eroding the value of that debt. A currency like Bitcoin does not provide for this.