Financial institutions that are called thrifts because they encourage savings are .

Credit union

Explanation:

Credit union refers to a financial institution which is owned and controlled by its members. They provide traditional system of banking services for their members. An individual can become a member of credit union by simply joining and opening an account with them.

They are non-profit financial institution, they are concerned about the welfare of their members. They give interest free loans to their members.

explanation:

i believe the primary and secondary sectors

i believe the answer is: returns on investments, no wages

people who belong in upper class society would most likely get there by obtaining multiple source of income, which a certain percentage of ownership for businesses. since most of them are job creator, they would most likely get their money from profit, not wages.