Which one of the following is implied by the passage?

• (a) Says most people do not accumulate money. This is too strong and not necessarily implied unless the passage explicitly says so. Verdict: Not implied.
• (b) Says most people never fail to accumulate money. This is the opposite extreme and cannot be inferred without clear textual support. Verdict: Not implied.
• (c) If the passage suggests that accumulation of money is needed but some people are unable to do so, then at least some people fail to accumulate money for their needs. This is the safest logical implication. Verdict: Implied.
• (d) Says there is no need to accumulate money. This would require an explicit rejection of saving/accumulation, which is generally not implied. Verdict: Not implied.

Correct answer: (c) — it is the only moderate and logically supportable implication; the others are absolute or overbroad.