Charity cannot improve the average standard of living. Saving and capital accumulation do.
施舍不可能提高平均生活标准，但节俭和资本积累却可以做到。
2
On a more hopeful note, Americans are starting to save again rather than relying on capital gains to do their saving for them.
更有希望的提示是，美国正在开始再次储蓄，而不是依赖资金获益来营救他们自己。
3
Over the past year there has been little sign that people are saving less and spending their capital gains, so a slump in share prices should not have much impact either.