Why don't Poles use effective forms of saving?

From the last available analysis on the portal analizy.pl, it can be deduced that the financial savings of Polish households exceeded 2 trillion PLN in Q1 2023. Cash and deposits together accounted for approximately 1491 billion PLN, or about 75%. Meanwhile, retail government bonds amounted to only about 95 billion PLN, which is less than 5%!!! Based on my personal experience, a portfolio consisting of 1/3 EDO and 2/3 COI over the past 2.5 years yielded a net return (after deducting the Belka tax) of 30%. The average annual CPI inflation was -5.1% in 2021 and -14.4% in 2022. If the average annual CPI reaches 12% in 2023, the cumulative inflation over three years will be approximately 34.66% (11.55% on average annually). At the current interest rate trend, my real portfolio's net return over 3 years could be around 36% (12.00% on average annually). This means that retail government bonds provide me with a real possibility to protect my savings from inflation at a similar level of risk (compared to bank deposits), which cannot be said about savings accounts and deposits. In a similar period, the best offers for deposits temporarily did not exceed 10% GROSS (on average, the interest rate hovered around 8.5% GROSS), and that usually applied to low amounts and short periods of 3-6 months, sometimes only with additional conditions such as new funds, new clients, and recently even a credit card included. It is worth noting, according to the aforementioned report, that significant funds are accumulated in expensive and/or ineffective investment funds (both domestic and foreign) and capital insurance funds, totaling approximately 255 billion PLN, while there are only around 300,000 active brokerage accounts in Poland, owned by only about 200,000 users. Why do Poles willingly pay distribution fees and/or redemption fees to banks (the largest distributors of investment funds, TFI), consciously or unconsciously reducing their own rate of return on investments? Few people realize that a 4% distribution fee means that a given fund must first earn around 4.2% for an investor to achieve a return equal to the nominal value of the invested capital (10000 PLN*0.96=9600 PLN, → 9600 PLN*1.0416=10000 PLN), not to mention any real profit.