That’s stupid. People don’t save so they can die with lots of zeros in their bank account, they save because they want to inject that money into your so-called “real economy” but at a later date, perhaps when they’ve retired or when they’ve amassed sufficient savings to make that large purchase they’ve been eyeing.

You can’t punish people for saving on one hand and then charge them exorbitant rates or deny them loans altogether when they want to purchase a house without that down payment at hand.