The study found that 62% of Americans have less than $1,000 in their savings account. Which is probably no big surprise as a savings account is a pretty horrible place to store any sizeable amount of money, with the near-zero interest rates usually offered on such accounts. At best it is a rainy day fund. $1,000 should easily cover most immediate rainy day needs. Anything more expensive generally gives you some notice to cash out other investments as necessary.

Why do they always do these surveys on savings accounts instead of sum of all bank accounts to get a better picture?

Okay found some better information. https://www.valuepenguin.com/banking/average-checking-accoun... Median checking account balance is $3400.

The only person who benefits if you save is you.

Companies benefit when you spend. So start consuming!

Saving is investing (either directly or by, e.g., loaning to a bank to invest.)

Companies benefit when you invest, too, not just when you spend.