Exactly, as much as loans and savings go, they don't physically alter the currently available resources to be consumed, which really has nothing to do with mone

Exactly, as much as loans and savings go, they don't physically alter the currently available resources to be consumed, which really has nothing to do with money at all. A society can't just collectively save most of its income for it to be magically available at a later date. It's just suffering deflation while exporting inflation into the future. It's some sort of prisoner's dillema that high-saving countries usually run into.