How can an employee in the Gulf preserve his money without investing it in usury or hoarding it, knowing that Islamic banks are no different from conventional banks?

Money must be preserved and not squandered. If a person finds no means to preserve their money except by depositing it in interest-bearing banks, then there is no harm in it, provided they do not seek interest.

It is advisable to keep money in Islamic banks that operate in accordance with Sharia, and one should not pay attention to those who cast doubt on the validity of their dealings.

Forbidden hoarding of money refers to not extracting the obligatory rights from it.