Share your insights or perspective on the financial matter presented in the input.

Why does money value normally decrease?
You expect interest because you forgo the opportunity of using the money as well as the risk of losing the money if the borrower can not pay you back.  This is true also with gold - you would expect interest if you loaned someone your gold for a time period. When you deposit your money in the bank you are loaning your money to the bank who then loans the money to others.  This is how the bank is able to pay interest on your accounts.