大多数美国人不怎么喜欢在银行存钱。
A large number of American do not like particularly to deposit money at the bank.
随着在银行存钱的费用增加，人们的钱花得也更快了。
As the cost of keeping money in the bank increases, so it's spent faster.
在科尼亚，另一种模型叫m - PESA的服务让人们使用收益转账和存钱而不用开一个真正的银行账户。
Another model is in Kenya where a service called M-PESA enables people to use mobile phones to transfer and save money without opening an actual bank account.
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