well, the economy is currently geared towards a population that spends as much as it can rather than saves as much as it can in order to promote growth… if people saved all their “disposable” cash, there would be a steady outflow of money from the banks to the depositors. where’s the profit in that? conversely, a population that spends every dime increases income for companies, profits for creditors, business for lamborghini and everyone is happy…