What is the main idea of this passage?
On the other hand, a savings account is used to set money aside for use in the future, and it allows the money to collect interest. Many people regularly place some of their money into savings accounts rather than spending it in order to achieve financial goals—such as buying the latest gadget or game—without having to go into debt to do it.
-From "Learning Bank - Checking & Savings Accounts" by FDIC.gov
Group of answer choices
Savings accounts can be used to put money aside and earn more money.
Many people would rather put their money aside than spend it right away.
Savings accounts are often used to buy gadgets or objects people most desire.
Savings accounts help people to avoid debt when they want to buy a game.