We are discussing about resource allocation. Money is the accepted way of influencing resource allocation.
Telling people they should not save money is effectively telling them to give up their influence on resource allocation.
The consequences of not being able influence resource allocation can be dire: If you have no leverage, you may die of sickness or outright starvation.
If we want to solve our problems, better we start to talk of them trying to clarify the problem, instead of obscure it.
This is obvious in countries with government backed pensions schemes, where the narrative is that we will have not "enough money".
We are discussing about resource allocation. Money is the accepted way of influencing resource allocation.
Telling people they should not save money is effectively telling them to give up their influence on resource allocation.
The consequences of not being able influence resource allocation can be dire: If you have no leverage, you may die of sickness or outright starvation.