Savings accounts pay very low rates of interest. The average return on

Savings accounts pay very low rates of interest. The average return on the stock market is about 10-12%, in the long run. Why would anyone put money into a savings account?

What will be an ideal response?

ANSWER

The stock market gives a higher return for higher risk. Particularly if you are very averse to risk, you might find the savings account to be an attractive alternative.