Since you're clearly using "spending" in a more economic sense, but most people will read it from the perspective of household finances and therefore interpret

Since you're clearly using "spending" in a more economic sense, but most people will read it from the perspective of household finances and therefore interpret spending as morally wrong, I'll add that the spending you're discussing includes, and primarily is, investment. Both your run of the mill, deposit money in the bank which loans it out so all sorts of businesses can be built, and people can buy houses, cars, etc., and your more exotic VC and hedge fund investments.