Money is not a resource. You don’t eat it, you don’t live in it, you don’t build stuff with it. It’s just a record keeping system. To save money means to explicitly provide a surplus of REAL resources for society, like housing, food, clothing, et al, and not pointlessly consume them. Making them more affordable for everyone else.

The fact of good money always growing in value encourages everyone to live frugally in actual resources and only hold money until they have a meaningful or important reason to consume. It becomes the greatest incentive to produce for others available in an economic system.