That highlights issues of trust and game theory as well - "saving" in some sort of way (including investing) provides security and can allow rising higher. A m

That highlights issues of trust and game theory as well - "saving" in some sort of way (including investing) provides security and can allow rising higher. A moral arguement towards spending is looked at like you are trying to sell them sonething and/or fleece them. And they are technically right about that - accumulating wealth is what makes an individual rich. Investment in the actual sense would be a win-win. Not speculation or buying goods for the sake of getting cash flowing but things which provide a return. It is similiar to why lending out money/buying stocks is infinitely better as an investment than just holding gold - they provide utility. Gold just sits there. Of course investing reliably and safely is hard, especially when the behavior of others impact it and nobody has perfect information.