I don’t bother maintaining a savings account for the reasons you stated. They can also raise credit card rates to the roof, if they like. I’ll continue paying in full every month so as to accumulate zero interest charges.
I do the same on credit card bills...have not paid interest on them since 1997. OK I did pay once because forgot to pay on time. Still not bad considering we have 3 active cards usually.
As for saving accounts and CD’s...have none. I am forced to buy hi-yield bond funds (risky risky) which are all in variable annuities. At least annuities are tax deferred for unlimited amounts.