You're correct, but that's like talking about opportunity cost. For anything I choose to do today, there's a chance there's something I could've done something I'd enjoy more. That doesn't mean I've "lost enjoyment": it simply means I don't 100% optimize my life, which I don't think anyone does.

I agree with https://www.reddit.com/user/TyrconnellFL/ that you lose money only in a metaphorical sense. I doubt agencies like the FDIC would reimburse you for "losing money" due to inflation