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One policy that would increase the saving rate would be
Principle of Utilitarianism
A theory in normative ethics holding that the best action is the one that maximizes utility, usually defined as that which produces the greatest well-being of the greatest number of people.
Moral Standards
Principles concerning the distinction between right and wrong or good and bad behavior, often culturally defined and personally or socially enforced.
Rationalization
The process of explaining an often undesirable behavior or feeling in a logically acceptable way, distancing oneself from the true underlying motivations.
Ethical Course
A direction of action that aligns with moral principles and professional integrity.
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