@Elena I mentioned the accounts as a comparison to the the Bulgarian stats but also because it reveals the cultural differences around saving/money and @TAfricanski I too have accounts more out of necessity rather than out of a desire to have the different accounts.

The thing I haven't mentioned yet is the fact that as an American the ability to save also goes hand in hand with the ease of taking on debt--it's stupidly-easy to get credit cards and nearly everyone graduates from university with student loans. I have college loans that I'll paying off slowly over the next 15 years or so.