If your investment return is less than the rate of inflation, you are literally getting poorer. Sort of defeats the purpose of an investment. It isn't much better than literally keeping it in your mattress. Just because you don't understand that, doesn't make it not true. And software I wrote probably has managed or touched your money at some point.

Ok, and? You don't manage money. You don't seem to understand risk tolerance and opportunity cost. You're also comparing near-inflation returns with cash at zero pct return. Good luck buddy.