There are still two billions to be accounted for, which labor cannot buy back and consume." "Labor does not consume its two billions, even," Mr.Kowalt spoke up.
"If it did, it would not have any deposits in the savings banks." "Labor's deposits in the savings banks are only a sort of reserve fund that is consumed as fast as it accumulates.

These deposits are saved for old age, for sickness and accident, and for funeral expenses.

The savings bank deposit is simply a piece of the loaf put back on the shelf to be eaten next day.

No, labor consumes all of the total product that its wages will buy back.
"Two billions are left to capital.

After it has paid its expenses, does it consume the remainder?
Does capital consume all of its two billions ?" Ernest stopped and put the question point blank to a number of the men.
They shook their heads.
"I don't know," one of them frankly said.
"Of course you do," Ernest went on.