The Creative Crime of Thrift
…that the whole system was directed towards encouraging or driving the worker to spend his wages; to have nothing left on the next pay day; to enjoy everything and consume everything and efface everything; in short, to shudder at the thought of only one crime; the creative crime of thrift. It was a tame extravagance; a sort of disciplined dissipation; a meek and submissive prodigality. For the moment the slave left off drinking all his wages, the moment he began to hoard or hide any property, he would be saving up something which might ultimately purchase his liberty. He might begin to count for something in the State; that is, he might become less of a slave and more of a citizen.
They say (a bit jokingly) the people who are most likely to get promoted in a job are those with a huge mortgage (because the company owns you if you are in debt). Notice that government gives you a tax deduction if you put yourself into debt (home mortgage deduction). But if you save up money, don't take on debt, then you don't get any benefit. The system is set up to get you to work and keep working.