"Investment is putting money into an asset with the expectation of capital appreciation, usually over the long-term future"

Lets see what some people says about investment.
Case 1: I didn't think much and put all my money in saving account it gives me 4% interest.
Is this investment? No. You are Earning 4% interest but inflation is 6%-8%, that means you money's value getting reduced by 2%-4% every year. Who is actually earning here? banks. Same money they are giving you as loan with interest rate 11%-17%.