untouchable savings account

it's illegal not to pay taxes 
it's illegal not to pay debts 
but it's legal to waste all your money 

every individual could have a savings account 
where a percentage of their salary or social welfare is saved 
and that money would be untouchable from debt collecting and taxes 
and the savings account would be untouchable from the owner 
if the savings account grew or generated dividends 
then that money would be reinvested into savings account 
until savings account reached a certain size 
then money from savings account would be payed monthly to the owner 
some minor legal changes would be needed for this system to work 


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