I can recognize that saving for the sake of saving is bad for the economy, I don't like to pretend that the only solution is for one entity (the government) to get it, and it doesnt have to be that way

if the balances were programmed to be slashed - automatically deleted for inactivity - I would be more into that. note that this is an upgrade from what the Federal Reserve already tries to do in tightening phases like now. This is also what some monetary experiments do to validating nodes.