<prompt> Translate the following text to EnglishMaandishi kujaribu kueleza kwa nini na jinsi watu kuokoa-au si kuokoa kama kesi inaweza kuwa-ni pana, na utafiti wa kihistoria ni kinyume.  <response>: The literature attempting to explain why and how people save-or do not save as the case may be-is extensive, and the empirical research is conflicting. 