How does the average 'Joe' interpret "savings". What exactly is savings? Many would argue savings is stashing dolars in the 401K,414H,457,IRA,ROTH...ect. There is no incentive to save,traditionaly. The US governement has created many incentives to redirect dollar assets from traditional saving accounts into market consumption accounts. There has been no incentive to stash dollars under your pillow or into savings accounts. Everyone has been forced to seek alternative options.
"Make the US dollar something of value worth saving". Relative to what?