[0xDEAFBEAD]

Perhaps because 4 in 10 Americans are bad with money. As jandrewrogers stated, Americans are not good savers. (I believe this is a big contributor to our trade deficit as well.)

[xvector]

To be honest, you don't really want people saving too much in a healthy economy. You want them spending.

[Joker_vD]

But then where would the investment come from?