Doesn't that depend on what you mean by "if everyone saved"? If everyone saved to the exclusion of entrepreneurial activity, we would indeed all be worse off. However, we'd all be just as badly off if everyone bought stocks to that extent.

On the other hand, if everyone saved instead of buying stocks, wouldn't banks and entrepreneurs have a common interest in making loans replace stocks in funding entrepreneurial activity?

Central banks already "play" on the market. They arent neutral.

So maybe they could stop their inflation policies which screw the little people.

I am not writing about socialism. I am writing that central banks should stop the policies that rob the poor and give money to the rich.

Yes, there were crisises in the past. There are crisises now. And there will be crisises in the future. But in the past, at least the interest rates on savings beat inflation, so common people could build a safety net. Now you are punished for saving. You can play the stocl market casino (which btw. is connected to price of money from central bank...).

Is the central bank for average people, or another corrupted institution made to make the rich even richer?