One Argument That Is Made Concerning the Low Rate of Saving

One argument that is made concerning the low rate of saving in the United States is that

A) although savings is at almost historically low levels,the savings rate conceals the "hidden savings" from people concealing money in various places in their houses.
B) although savings is at almost historically low levels,the savings rate conceals the "hidden savings" from people's equity in their homes.
C) the next generation has a lower time preference than previous ones.
D) the next generation is just plain lazy.
E) the marginal benefit of saving has fallen relative to the marginal benefit of spending.