Coin by Coin

Not all dollars are created equal.
According to research performed by Priya Raghubir, people are more likely to spend small-value bills than large-value bills. She terms the brain’s preference to hold onto bigger bills the “Denomination Effect”
Dr Raghubir tested this effect by paying visitors to an Omaha gas station $5 to fill in a fake [...]

On Point’s most recent show covered the increase of American’s debt and decline of thriftiness since the start of the nation.  From the show’s description:
Once upon a time, America was famous for its thrift — for local banks and credit unions and savers’ clubs that encouraged everyone - even the little guy and gal - [...]