Maybe we agree then. If the objective is to save money for the future virtually everyone has the option of reducing consumption to some extent in order to incr

Maybe we agree then. If the objective is to save money for the future virtually everyone has the option of reducing consumption to some extent in order to increase wealth (saving or repaying debt). I thought that you were aligning with the "saving is out of reach for most people" side, I apologize for the misunderstanding.