I have not had a savings account, checking account now for 18 years....if I make a nickel, I spend a dime---a true american I am....I have seen many men that I worked with that invested in 401 K and savings plans and everyone of them lost at least 1/3 of all money they trusted others with....my dad warned me when I got a job at 19 to control my own money and never invest with people who want your $$$$ and promise to make you more $$$...the only $$$ I have ever made, i earned the hard way--working for it.
I don't believe in cash or savings....I would rather have a physical object verses the faith in the money system....so yes, I have lots of bartering material....make a good auction some day. Sadly I have to work for life to pay the taxes and utility bills. I have zero credit for the simple fact I never borrow.