This is so retarded it is hard to understand.
Capitalism without all the jewish tricks requires you to spend a portion of your income and saving another portion to spend it later or reinvest it in something that will give you profits (this allowed too much social mobility post-WW2 so the tribe wrecked it really hard later on).
You don't need to do one thing or the other exclusively. Nobody invented anything better so far, only retarded shit that attracts wastes of spaces like you.