save is for people that they have no reserve.
you can invest and loose or win.
you can save ... and you win always.
Saving isn't about winning or losing at all. Saving is about survival. Investment is about luxury.
Saving is about playing safe. Avoiding the risk of losing your money. The only adversary is the inflation rate. Your money's purchasing power is decreasing as the day goes by because of the increasing of inflation rate. So people are encourage to invest so that their money will grow and will compensate the inflation rate by its growth rate but it is very risky.