There are a variety of places you can store your saved dollars that can move those dollars to more valued uses for society (i.e. expansion of the factors of production). But it's also in your self-interest to put your money in these places - you can get passive income streams and grow your wealth outside of labor market activity and entrepreneurship.  This makes them "good institutions" because they align self-interest with social interest. For this discussion board, discuss why not accept the 6 listed options. possibly religious reasons? for example, ISLAM why do some people prefer to save money at home without going deposit to the bank? and what is related to usury? Is it for this reason, people save money at home?

6 OPTIONS: I do not need detail of them.

Traditional banks and credit unions

Bond market

Stock market

Shadow banking system

Microlending

Buying speculative assets (including cryptocurrencies)