Whenever a major bank advises its customers to spend less and save more, there is always a hidden meaning behind the message. In the case of HSBC, they intend to make consumers more aware of their spending habits and reduce future debts through the Nudge app. But at the same time, money stored in a savings account allows the bank to generate more profit and puts consumer funds at risk. Bitcoin, on the other hand, gives consumers complete financial freedom and does not allow for anyone to create debts in a traditional sense.
http://www.newsbtc.com/2016/01/20/hsbc-nudge-app-wants-control-consumer-spending-bitcoin-gives-complete-financial-freedom/
