Another useful perspective is to recognize that a leaky vessel is better than no vessel at all. Savings is not just a poor performing investment vehicle. It's

Another useful perspective is to recognize that a leaky vessel is better than no vessel at all. Savings is not just a poor performing investment vehicle. It's a security buffer which opens many choices down the road. Imagine if early society decided there was no need to stock food for winter because there is some loss in the process...