actually the stock market and other investment markets (and credit markets) serve to offset the effect of money-saving on the cyclical flow of money through the economy. if people saved a lot of money and saved it all in cash, there would be less money available in the product market and would result in a downward spiral of high prices and low employment. the stock market solves this problem by re-injecting saved money as investment into the pockets of companies. please be aware that i am new to economics so i may be mistaken.