You make some really great points. Thanks for taking this discussion farther. I'd be interested in hearing about more people's experiences with saving money, too, because I don't think there is just one right answer (or, arguably, the obligation or ability to save at all, if somebody wants to argue those points). The morality is interesting to me, too. It seems like the only way to "grow" money requires either contributing to something one doesn't actually want to support, or else taking advantage of others. 

Basically, this is a huge topic and it's one that is getting more interesting the more I hear other people talk about it.