*snip*
...because now a days teenager or employed people don't think or they not believing in saving. They just only want to spend their money in their own way, their not thinking about their future, when they not have a job, or incase of emergency etc.
I don't think that is true. I think this really differs from human to human.
I also see this in the people around me. Some of them really do save a lot (and maybe too much..), and others save way too less. It's often the latter group that have periods in which they need to loan money, as they are likely to spend all their income indeed. As soon as an unexpected cost appear, they will have to loan money (from someone) to be able to pay it..