If tomorrow a distant relative handed you $70k they’d stuck in a mattress in 1986, you wouldn’t think about inflation or its lack of work over the years.
Saving is being your own distant relative.
Investing is a bet on being smarter than people with enough money to move markets.
It is a bet on beating people whose full time job considers making your $70k theirs a legitimate business practice.
Anyone who has never been skunked by the economy has either been lucky or hasn’t been in very long.
Or to put it another way, looking at returns on each “safe strategy” you list during the Great Recession might be a useful research exercise.
I didn't even know what "immobilizer" meant in this context before hearing about the issue with Kia and Hyundai a while ago.