Perhaps decide to use gold, then. Your society's interest rate then becomes irrelevant to you - and you are free to care about the future as much - or as little - as you like.

Interest rates just do not reflect people's level of concern about the future. Your money might be worth a lot less in 50 years - but the same is not necessarily true of your investments. So - despite all the discussion of interest rates - the topic is an irrelevant digression, apparently introduced through fallacious reasoning.