The babnkwill provide an effortless saving policy: let’s say fifty dollars every month automatically put on a savings account. No time and no effort, except of course doing your accounts every month to plan your expenses. What percentage of households do not plan their expenses month after month, every month? It is only difficult if you live on a day-to-day basis, which is totally wrong. Can people avoid that kind of careless poor living (or rich living as for that)? Some apparently can’t, though they should.