absolutely agree your first sentence on your statement "Saving money is crucial for a stable financial life", it's essential for us to save up certain amount of money for emergency.

But we cannot simply put all of them into the bank and get the negligible interest from the bank.

We already have the auto saving on the HP from our author earning, I think it's enough to help people to save up their asset.

For the HBD auto saving, it's debatable. If all the earning of our post automatically goes to HP and HBD saving, we lost the flexibility on the market. Say, when the hive price suddenly sink a lot, we still need to take 3 times to unlock our HBD then buy 3 days later?

As an Hive enthusiastic, long term investor on Hive, nobody willing to seeing the Hive price goes too low, most of us willing to use our HBD to support the hive price during the market collapse though, if it's going to take 3 days to unlock the HBD from the saving, it's too slow.