I don’t agree with your first paragraph. It’s virtually the same as banks and stocks.

Banks give you interest, but that is not a function of how money works, that’s something the bank does

So is owning ETH… all ETH is not staked. And even if it was, how does it matter? In the end everyone gains the same percentage.

Apart from that, everyone uses compounding interests and most people reinvests dividends.

You’re free to unstake your ETH at any point.