What are some possible explanations for the low saving rate in the United States?

Americans stopped saving when their incomes stopped growing

The poor and middle class went into debt to buy houses

U.S. policies make it easy to not save money.

The U.S. is uniquely susceptible to conspicuous consumption.

The pressure to keep up with richer neighbors has been greatly exacerbated by rising income inequality

answer; i believe that the correct answer is (agriculture);

a.tensions between the colonial elites and the backcountry men of virginia.