It may be possible that social welfare for developed countries, these very good in all aspects. Thus, there are no incentives to encourage savings or savings for individuals.
It may be possible that social welfare for developing countries, these are very good in all aspects. Therefore there is no incentive to stimulate savings or savings for individual extensions.
Possible that social welfare for the developed countries, these are very good in everything. Therefore no incentive to encourage savings or expand the savings for individuals.