in that model. There is a strong incentive to do so, however, and that is how it should be. Incentives exist to encourage people to do the things we want, ideally what is best for society. If society - and in this instance I mean the "government" - decides it's in the nation's best interest for large sums of money to be recirculated through spending, then it needs to be more advantageous to spend than save large quantities. Changing capital gains taxes may or may not fix that, but there are ways to incentivize investing and would make investors, potentially, actual "job creators".

If you're going to argue that diminishes freedom, well, you need to start taking issue with a lot more things in your society than just that.