People who have not been able to save are people who usually have a small income or an income that is only enough for their daily food costs. But basically those who have not been able to save will definitely have the intention to do so if they already have more ability through the income they earn and whereas those who save through crypto and shares are usually people who already have more income. So they can make adjustments between the funds they will consume daily and savings funds in any form.

Regarding lack of discipline, it seems like this is only owned by lazy people who don't want to manage their time properly enough so they will only try when they are hungry and really have no intention of achieving better development for themselves. So this is different from those who are unable to save but still have the intention to save and is also different from those who are able to save in crypto and shares, because the three are not the same category.