India, Jan. 16 -- There's an old saying about poverty: Give somebody a fish and he'll eat for a day. Give him a fishing tackle and he'll eat for a lifetime. There are several variations to this theme. However, these days, there is a general view that one of the most effective ways to fight poverty may not be a fishing tool but a savings account. I remember, it was during my school days when I opened my first bank account. This seemingly small act meant that I could manage my own finances and take financial decisions on my own. We saw a bank as a place to save - they would take good care of your money and might even add a little to it and, perhaps, we could take some money out if we needed it during a rainy day. On opening the account, I rec...