RE: There is no such thing as "unused savings"...

Terrible. It seems that very few people bother to learn about financial matters on their own... beyond what's going on in the status quo.
Here in Cuba we have never seen spring in that sense. Well, there was a time when the country was living on the teat of the former USSR, but when that fell off, we had a hard time. I didn't live through that, as I was born in the 80s. The darkness here is deepening. I have learned over the years that it makes no sense to save in our currency. It is worthless.