Every product in America comes with labeling and notifications on the intended usage of the product, warnings on dangers, etc.
We were encouraged to find something sold that had no instructions, which merited serious discussion, nothing really applied on the next class meeting.
Our professor then produced a single item made by the USG that did not have instructions, and behold it was the US Dollar and currency. There are no instructions on how to use money, because as he put, everyone wants it, they want your money.
To save a dollar you must save it every day, and to save more than a dollar you must save those dollars every day - but the message from the world is to take that dollar from you either by necessity or by desire/wants.
It was in 1984-5-6 that the first IRA's were started by Americans. The arguments on both left and right were about investments, and for the left they stated over and over you could lose your money, and privately they knew Americans saving money would errode their welfare state.
Americans saving money would errode their welfare state.
And lo, it has come to pass!