Unfortunately I suspect this ends up being similar to the "paradox of thrift" [1]. It might make sense for one person to do this, but if people did it en masse,

Unfortunately I suspect this ends up being similar to the "paradox of thrift" [1]. It might make sense for one person to do this, but if people did it en masse, it would be catastrophic for our economy and therefore for each of us individually. [1] I learned about the paradox of thrift in college.