<prompt> Human: Not sure how I got on the subject, but I ended up thinking about the ChristmasVacation clubs they used to have at banks back when banks gave 3 on a savings account!. Anyway, back then, people would budget and save up for big expenditures, and the banks offered products to work with that. Now, everyone is all about credit, and the banks are too. So, instead of saving in advance, everyone buys first and pays it back, so theyre paying interest instead of earning it. The banks obviously prefer this, because they make more. But honestly, with how our society has become one of instant gratification, I wonder if people would even take advantage of those programs if they were still offered?  <response>: I wonder if people would even take advantage of those programs if they were still offered?Yes, rich people who are smart, and smart people who will become rich will take advantage of such programs. 