Inflation is not a problem so long as you invest your money as soon as you receive it and your wages keep pace with inflation (and they do). In that case the 2% per annum inflation rate only hurts you from the day you get your pay check to the day you invest it productively or spend it on necessities. In fact if you purchase your necessities on a credit card the 0% APR until your bill comes due makes inflation work for you.