Saving for the future forms no part of the savage economy.
Amongst civilized peoples, cold is said to be the parent of frugality.
Thus the northern nations of Europe owe a portion of their prosperity to the rigour of their climate.

Cold makes them save during summer, to provide food, coal, and clothing during winter.

It encourages house-building and housekeeping.

Hence Germany is more industrious than Sicily; Holland and Belgium than Andalusia; North America and Canada than Mexico.
When the late Edward Denison, M.P.for Newark, with unexampled self-denial, gave up a large portion of his time and labour to reclaim the comparatively uncivilized population of the East End of London, the first thing he did was to erect an iron church of two stories, the lower part of which was used as a school and lecture room, and also as a club where men and boys might read, play games, and do anything else that might keep them out of the drinking-houses.

"What is so bad in this quarter," said Mr.Denison, "is the habitual condition of this mass of humanity--its uniform mean level, the absence of anything more civilizing than a grinding organ to raise the ideas beyond the daily bread and beer, the utter want of education, the complete indifference to religion, with the fruits of all this--improvidence, dirt, and their secondaries, crime and disease....