I think the question hinges on whether that incentive is "perverse" or not. (Not criticizing your use of the word, it is the perfect word for this point.) I b

I think the question hinges on whether that incentive is "perverse" or not. (Not criticizing your use of the word, it is the perfect word for this point.) I believe it is not perverse because saving allows for investing, and is the basis of capitalism- the accumulation of capital that can be deployed productively. Even if you're just saving on the downpayment of a house- putting %20 vs %10 can save a whole lot of money on a 30 year mortgage, leaving you better off in retirement, etc.