Savings and debt.

The problem with Americans is that we don't know that we are being suckered into getting credit card and racking up debts. They don't think about the interest rate or how high it is. They either don't know or don't care that the interest rates are getting higher and higher making it almost impossible to pay back all at once. So people have to scrounge and save to cover maybe half their debt. Maybe the problem is that the price of products are continually going up but the average income is staying the same.
But saving money isn't a problem in just the USA it's a problem across the world. The saving rates France, Britain, Italy, Germany, and Japan have all gone down.