You wouldn't, which is entirely the point. Demurrage currency incentives people to only hold what they need for cashflow purposes, and to re-investing the rest into real capital. It's the distinction between money as store-of-value and medium-of-exchange. Traditional money tries to be both and creates problems in the process. Freicoin is designed to be a medium-of-exchange only, and converted into other assets (treasury bonds, stocks, etc.) for long-term storage of wealth.