You put your money in the bank and the bank spends it; have your money taxed and the government spends it, but you don't get to take it out when you want to.
Umm... the chart Mr. Clutch red x linked us to shows the effect on consumption of tax rebates on all earners not the top earners, which is the crux of the dispute.
Because of bank reserve requirements which tie to the greater machine of liquidity. Read about how fractional-reserve banking works. A lot of your questions can be answered by any general macro econ textbook.
I ignore most misspellings, but if someone tries to appear smart by randomly throwing in latin expressions, at least spell it correctly.
I'm sorry I can't tell if you're trolling or sincerely asking about this. Why withdrawing whenever is problematic in fractional reserve banking Bank runs are the best phenomena to study the notion of withdrawing how ever much money you want in the system we have (and the post 16th c. banking world in general). I don't have the time to teach this so click the above link. That better connect the dots.
I don't know about disposable liquid assets but nearly all of the people I work with and under on a daily basis are the $250k+/year income earners. The majority (older, old-money crowd) tends to save more while the nouveau riche tend to be spenders. Almost everyone is a Republican, and the few that do donate give so to charities sponsored by prominent friends. Many also focus on creating trust funds for their families. The only entrepreneurial rich people I've met are first or second-generation immigrants (usually Asian) that start up companies very quickly. Incidentally, they also tend to save a lot.