I think you are conflating a few things. The premise of your question is wrong in a few places, but overall I will just say inflation is still trending down.

Still, looking at the current situation, I think all founder should posit a few things:

- Long term: the age of venture capital is going away. Gone will be the days when there is free money to throw at longshots on profitability. Your ideas will increasingly need to bootstrap themselves.

- Short term: STOP SITTING ON SO MUCH MONEY IN CHECKING ACCOUNTS! Spend the money or at least hire a treasurer for crying out loud!