That's a policy choice, one which is non-obvious and requires serious justification. Why should people be incentivized to spend their money, morally? The mandatory inflation basically is saying, "spend your money or we'll spend it for you". How does this robbery encourage social mobility and the building of generational wealth, exactly? It's one thing to give handouts to people, and quite another to rob them. It's most harmful to the poor who generally have less leverage in ensuring that their wages keep up with inflation and they tend to need to spend a high fraction of their wages to live on, so eroding their savings is seriously destructive. The poor also can't as easily access investing advice and methods, to avoid the effects of inflation.