I think that's a real effect. Intuitively I would imagine a lot more people save 0% (or close to 0%) of their income than save 50% of their income, I would al

I think that's a real effect. Intuitively I would imagine a lot more people save 0% (or close to 0%) of their income than save 50% of their income, I would also expect a lot more people to save or overspend 3% of their income than overspend or save 25% of their income.