also you make it sound as if anyone who wishes to save money for a rainy day is a terrible person.  it used to be (way back in that crazy time when people used to provide for themselves or rely on their family **shudder** how crazy, right?)  that saving was viewed as a necessity to make sure that you could make it through rough times.

a deflationary currency, outside of the grasp of politicians and bankers, is the greatest thing to happen since water.   why?  because it is a huge deterrent to a debt-fueled growth economy which we are currently suffering from across the world.  when you open up the faucets and let politicians spend as much money on whatever they want for years and years, facilitated by debt that a federal reserve banking system profligates, many bad things result.  eventually that faucet runs dry and an economic shitstorm ensues (think the world 3 years ago or europe currently and about to bleed back over to the us), everyone comes to rely on the government to provide basic necessities so that when that faucet runs dry times truly get bleak, and because of the profligate spending- currency debasement becomes the norm and inflation begins to spiral upwards leaving those few people who did manage to save screwed as well because they now find their savings worthless.  not to mention the people who live in poverty their entire life because they take on too much of a debt burden in their youth and never can quite rise up high enough to shed it.

saving is not bad!  saving is good!  when i was little i was told i could go and play AFTER i did my homework, why now is it that we should get all of our rewards without first saving up the work to pay for them.  if rather than encouraging everyone to spend every dime they had, and borrow more to spend more to encourage prosperity in the moment, everyone saved money for that rainy day that will always come, that rainy day wouldn't be nearly so rainy.