Your entire understanding of the credit crisis is deeply flawed.

1) Savers do not create jobs. Spenders create jobs. When you get a situation where people would rather save their money than spend it (ie. Japan) then you get deflation, and the economy contracts leading to lost jobs. This is why Japan is trying desperately to increase inflation through Abenomics.

2) To explain the credit crisis would take a lot more than just a few paragraphs, but your fundamental statement that it was caused because people stopped parking their money in financial instruments is just wrong.