There are a lot of unnecessary and, in some cases, what I believe are discriminatory differences that handicap, rather than empower savers.

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By going after savers rather than borrowers, the discount brokers naturally gravitate to a lucrative clientele, namely retirees with fat 401(k) accounts.

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When savings rates rise, but savers hoard, rather than invest, the central bank pushes its newly created money out of short-run credit markets and out into the whole yield curve.

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They point out that Europeans are much bigger savers than Americans are, and most banks have deposits rather than manage investments.

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It would be better for the global economy if savers piled their cash into equities and corporate bonds now, rather than waiting for better news.

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Japanese savers will probably hunker down, buying the yen and government bonds rather than starting businesses, consuming and buying equities.

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