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And can you really define where this beyond lies? You know, emergencies costs variance is huge, and home ownership too.

Also, "piling" money in a bank account doesn't remove money from economy.

It removes it from the demand side of the economy, which, in period of low interests, is the part you want to boost.

The demand side of the economy doesn't seem to be the problem right now. There's enough demand that there's shortages and price increases for almost everything at this point.

The shortages seem to be caused by hiccups in the cupply-chains bottlenecks that have a hard time to adjust to the slowdown and recovery of the economy. It is not caused by a unusually high demand, but compared to its depressed self six month ago, it is comparatively high.

Interest rates are still very low. There is still a strong case to argue that the demand is lagging.

But isn't that "removed" money being lent out by the bank?

Yes, typically as investment, that feed the supply side.

Which pays their workers and suppliers, and the money circulates.

No, investments typically feed growth, not normal operations, which are funded by clients, ergo the demand-side.

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