Value is created by production: someone has to make something before it can be consumed. To increase productivity, to increase the ability to produce more thing

Value is created by production: someone has to make something before it can be consumed. To increase productivity, to increase the ability to produce more things, investment is needed, be it in research, infrastructure or education. If everything that is produced (the $100k worth of value) is consumed, there's nothing left to invest. More empirically, the fact that people are willing to pay the saver interest for his saving/investment demonstrates that it must be creating some value. That interest is essentially payment to the saver for refraining from consumption.