It’s not an incentive to save if it’s mandated by law and enforced with violence.

The cure for most people not wanting to save is a generation of people who didn’t save. That’s why everyone resents boomers - they are a generation who didn’t save and used debt to buy assets, but still get to take your money and cut themselves checks every month.

Luckily Bitcoin (sound money) presents a natural incentive to save which fixes this problem.