Respectfully hard disagree here. Saving is net neutral. Saving is saving. Not spending, not investing. Investment always carries risk of course, but usually you asses the risk and invest in companies that have a ROI. It's just impossible to invest in the current monetary system because prices and priorities are so ridiculously distorted, it's impossible to responsiby invest. Bitcoin is slowly killing that distortion. Saving is high time preference. Investing (in a normal world,  not 🤡 world) is low time preference. It's hard to see because of the 🤡 world we live in.