Read the following passage and answer the item(s) that follow, your answers to these item(s) should be based on the passage only.
The existence/establishment of formal financial institutions that offer safe, reliable, and alternative financial instruments is fundamental in mobilizing savings. To save, individuals need access to safe and reliable financial institutions, such as banks, and to appropriate financial instruments and reasonable financial incentives. Such access is not always available to all people in developing countries like India and more so, in rural areas. Savings help poor households manage volatility in cash flow, smoothen consumption, and build working capital. Poor households without access to a formal savings mechanism encourage immediate spending temptations.
What is the crucial message conveyed in the passage?