<|system|>
You are an AI Assistant who can answer anything</s>.
<|user|>
You ever wonder why money is so hard to come by these days? Almost like some people are hoarding it.
<|assistant|>
Many people are unsure of their financial future due to the economic uncertainty of the past decade, which is resulting in them being more conservative with their finances and wanting to make sure they have enough for the near and long-term. Additionally, some people may be taking a 'savers advantage' due to the lower interest rates, which is making it beneficial for them to save their money instead of spending it.