No, it wasn't a vague attempt at an insult. Just ask
@Paidiske; she has had the unenviable duty of asking me to keep my thoughts to myself. Just a month ago I was told ("not a warning") that I had to change my tone, or I might get barred from this forum. So I assure you, I won't leave you wondering what I think of you. If I decide to insult you, it won't be vague. (My time here is limited, I am curious to see what travesty of mine crosses the line.)
I never claimed that there was no causal relationship between saving money and personal wealth. I said that correlation is not causal.
So, we can correlate any two things. No matter how reasonable it is that one of those two things seem to cause the other, there is still no proof of causation.
Seeing as I didn't make my point clear I'll try again: If you think that two things are causally related, it's up to you to prove this. The fact that there is correlation between them is not proof in itself that there is any causal relationship. I'll say it again: If you claim a causal relationship, then prove it!
I think that all of us who are peripheral experts of any subject are prone to the Dunning–Kruger effect. I mention it because I am convinced that statistics, above all other arenas of discussion, is the most Dunning–Kruger–prone of all. If anyone (you included) offered a credible objection to any statistical conclusion I had made, I would retreat immediately before my next attack.