I think this is exactly the problem, and the inaction is caused by the fact that the problem benefits the big corporations. I belief if a government is actually proactive and anticipate problems, if they actually care about the lives of the proplr in the country, they can make it better. They can control inflation, find initiatives that will create jobs and create an environment where it is easy for people to start up businesses.
In most countries, the two main reasons why people can't save are inflation and because they don't have jobs. Some people have jobs that earn good money, but inflation has eaten deep into the economy, so the money they make no longer has any purchasing power.
The government needs to invest heavily in the people and small and medium-scale businesses, and also make sure the cost of things are at reasonable.