How’s that been working out? If only saving was incentivized. Bitcoin true believers have a positive view of increasing savings
Also don't forget if you want to save, to earn interest means you need to lend so at the end of the day you're going to need debtors.
And even with some sort of smart contract placing your Bitcoin on deposit (payment channels might achieve this. Committing your Bitcoin to a channel and charging market rate fees), there's no fractional reserve banking so at least credit/money supply swings won't be so drastic and we can avoid the volatility in the business cycle we experience with fiat currencies.