The role of a bank is to move funds from savers to spenders. What happens when savings rates are too high? An example would be people saving so much

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The role of a bank is to move funds from savers to spenders. What happens when savings rates are too high? An example would be people saving so much money that the banks cannot keep up? Would you agree that the United States is in that situation now? What could the Federal Reserve do to help solve that problem? 

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