What should households deal with their money when the inflation's high?Keep it in the back or hold it in hand?

According to my midterm exam 2 weeks ago, I still consider about this question. Because, as I learnt, the high inflation leads a gain to borrowers and a loss of lenders.Therefore, we shouldn't keep money in bank to become a lender However, it also raises an opportunity cost of holding money in hand so ppl should keep money in bank, Moreover, during the expansion, the int. rate in bank is rather high to attract saver. Should we consider abt this issue?