Answer:
Americans stopped saving when their incomes stopped growing
The poor and middle class went into debt to buy houses
U.S. policies make it easy to not save money.
The U.S. is uniquely susceptible to conspicuous consumption.
The pressure to keep up with richer neighbors has been greatly exacerbated by rising income inequality
Moses endeavor to build up strength among the Israelites by selecting the pioneers of tens, the fifties, thousands. They filled in as educators and consultants, as judges, and as pioneers in the event of war. Before that, the general population were driven just by Moses and the Elders.