You're supposing that saving is a potential choice. Even a glance at income numbers in the US would fix that for you. For example, median household income as

You're supposing that saving is a potential choice. Even a glance at income numbers in the US would fix that for you. For example, median household income as of 2012 is where it was in 1989 [1]. Of the increasing small middle with the ability to save, they seem to be pretty well served already. [1] http://billmoyers.com/2013/09/20/by-the-numbers-the-incredibly-shrinking-american-middle-class/ http://billmoyers.com/2013/09/20/by-the-numbers-the-incredib...