One concern I'd have is that if everybody has to save in order to be making even slightly rational choices, that's economic doom. You're supposed to be able to

One concern I'd have is that if everybody has to save in order to be making even slightly rational choices, that's economic doom. You're supposed to be able to spend. I'm 50 and my own boss, and certainly will never be able to retire. I think I'm doing damn well to not be broke and homeless after more than a decade of entrepreneur-ing in the US. One of the things I do to survive is make sure to provide stuff for free-riders like you, but if everybody was determinedly refusing to spend I'd be really boned. SOMEONE has to spend money on goods and services and stuff.