A savings account with a high balance can represent something you’ve saved or “banked” (such as good will, favors that people owe you, or good karma).
Wasting money can represent wasting something valuable (such as time, energy, or effort).
For more clues to meaning, consider the flow of money, the context and motivations involved, and your feelings about it.
See also: Money; Check (Money); Paying; Buying; Accumulating; Bills; Debt; Owing; Loaning; Borrowing; Rich; Investment