Personal Finance advice on Savings relies on Legal Ponzi scheme

I find a lot of Personal Finance advice on the net about savings - how to save, how much to save, how to kill the credit card debts etc.  The 'Latte savings' buzzword got a lot of coverage a few years back - how you can save $1000/year by skipping the $3 starbucks latte every morning.  So what if everybody takes this advice and cuts down the morning latte from Starbucks - Starbucks will eventually close down, fire all its employees.  These employees may have been buying some product that your company may be making and that would vanish as well.  The economic wheel turns by people exchanging goods and services between each other.  If that exchange slows down, it will have a negative impact on the unemployment rate and the good health of the economy.  The 'Latte savings' only works in the bigger picture if you and a few others skimp on the latte and have greater fools who will keep spending their money on the latte - same as how a Ponzi scheme works though this savings advice is a legal one. 

There are umpteen reasons to save but there has to be some specific goals for the savings.  Savings, for the sake of being frugal, is not a good enough reason.  will continue to write on this topic.