"To achieve economic development, a society needs to save and invest some of what it earns every year; but too much saving, beyond a certain point, is actually harmful to the well-being of the average person." Do you agree or disagree? Discuss critically.

There is no "right" or "wrong" answer to the questions. Your answers will be judged based on the quality of your analysis and reasoning, not whether you "agree" or "disagree" with the propositions in the questions. A high quality answer will focus on concepts, arguments, and evidence (whether qualitative, quantitative, or both), and not on merely stating opinions that fail to be backed up by analysis.