In Europe the average saving rate is 10.6% and in America it is 3.5%. This means that every fiscal year Americans save only 3.5% of their yearly income and Europeans save 10.6%.
This is dangerous for Americans since in the event of an unexpected crisis they will not have the liquidities to pay for it. One of the reasons is that in the USA Americans use credit cards massively and are thus usually indebted to Credit Card companies and most of their income goes into paying them both the interest and the principal. Marketing is also far more aggressive in America and manipulates people into buying stuff they do not really need.
In stateless societies there is little concentration of authority, most positions of authority that exist are very limited in their power and such positions are usually not permanently occupied, and social agencies resolve disputes through Predefined rules tend to be small. Stateless societies are very variable in economic organization, and cultural practices. Most of the history of mankind people have lived in stateless societies. However, few Stateless societies exist at present, since most of them have been obliged to integrate with the state-level companies that surround them.
The Monarchy is a form of State (although it is often defined as a form of Government) in which a group integrated into the State, usually a family that represents a dynasty, embodies the national identity of the country and its head, the monarch, He exercises the role of head of state. The political power of the monarch can vary from the purely symbolic (parliamentary monarchy), to integrate in the form of government: with considerable but restricted executive powers (constitutional monarchy), even the completely autocratic (absolute monarchy).
