Because most of people can only do that. So saving small amounts of money to build up some buffer. When you have a buffer only then you can start buying assets

Because most of people can only do that. So saving small amounts of money to build up some buffer. When you have a buffer only then you can start buying assets. Until web brokers started I did not even know how to buy stocks. I think most people still don't know how to buy stocks unless they are from really well-off family. My parents were also not "financially literate" so I had to figure out all kind of stuff on my own. Downside was for example that I got supper shitty "investment product" so I did not loos much money but if I knew better I would put my money in a better place. Fortunately I did not get outright scammed but for a lot of people that have to learn as they go it is a real risk so "just saving" and losing some value to inflation might be best option for many.