Savers may not invest in high risk businesses, but the opposite of saving is not investing, it's spending, generally on consumer goods rather than on anything "

Savers may not invest in high risk businesses, but the opposite of saving is not investing, it's spending, generally on consumer goods rather than on anything "productive". There's a different conversation to be had about how much consumer spending benefits those high risk businesses, but only a fraction of income earned by a business gets reinvested into plant and equipment in any case.