A saver can quit anytime he wants.

I'm back to the alcohol analogy because it's what I know - my dad is a heavy drinker. My uncle is an alchoholic. My dad actually drinks more than my uncle, but it doesn't negatively impact his life. Dad actually quit drinking completely for months at one point because he was trying to lose a lot of weight and it was the easiest place to dump calories. My uncle has quit drinking many times, and lost a business, three houses, two wives, a boat, a job, and most of his relationships.