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Or the recipient of that spending could use if for other spending. In that Spoon and crock pot killing tomorrow’s trophies today club shirt, this further spending would cause ANOTHER recipient to have that money and THEY can use it for further spending. They can then decide to purchase a bank deposit or they can use it for other spending (or they may just hide it in a mattress or a home safe and not spend at all).
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In the macroeconomic sphere, if all these “savings advocates” want to maximize the amounts of savings deposits there are, for a given amount of deposit money, they need to maximize the amount of Spoon and crock pot killing tomorrow’s trophies today club shirt . To do this they have to maximize the ability of people or entities to qualify for loans, which means increase their incomes. That’s how to maximize the amount of bank deposits for a given amount of (base) money.