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You can start shorting chinese real estate: I was just reading the other day that WTI going negative had badly burned many chinese retail investors. (as for germany, I'd call that an argument against currency unification ... but that's an entirely different thread)

If a country saves too much forex, one can slap sanctions on them for being a "currency manipulator". If a firm saves too much cash on hand, one can find a corporate raider (which the germans and chinese also have) to make a hostile LBO.

However, for thrifty households, there don't appear to be any similar sticks, only carrots. How would you propose to incentivise german and chinese households to consume more than they do?