Could you explain why an inflation rate of 2% is better than, for instance, 0.2%? Inflation being below 2% and close to 2% is the definition of price stability that the ECB has chosen.
In particular, what is the appropriate reference rate? For the average depositor, it may be true that something close to the risk-free rate could be earned by  BIS Review 137/2008  1  forgoing the services attached to a bank account and instead investing in the money market.