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The idea that money being idle is bad is bad. The whole point of money is that you and i can do extra work (maybe i will catch 10 fish, eat 1 and sell the rest) in return for money, so I have saved it up and can consume it at a later date than the best fish preservation methods would allow.
It goes even further than that. Saving is literally productive: https://mises.org/library/yield-money-held-reconsidered
Very short summary: savings deals with events that insurance cannot.
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