When Willy Wally the Worker, opens up a bank account, and starts planning for tomorrow, he is no longer a 100% WORKER. He/She/It becomes a member and legion (if only partially) of the system of human capital aggregation.
That vital distinction between the union Gnarrks and other time-displaced Neanderthals stranded in chapter two of Marx's "Das Debt", and all other self respecting humans who exist in the present.
