What refers to the savings which takes place because goods are not available for consumption rather than the consumer really wants to save?

The term associated with savings that occur not out of a consumer's desire to save, but rather because goods are simply unavailable for consumption, is referred to as "forced saving." This concept arises when consumers are unable to purchase goods due to shortages, restrictions, or other external factors that limit availability. As a result, instead of spending their income on goods, consumers may end up with surplus cash, effectively saving it involuntarily.

In instances of forced saving, the intentions of the consumer to save or not are irrelevant; they have no choice but to save because they cannot access the products they want to buy. This is contrasted with voluntary saving, where consumers actively decide to save money for future use based on their preferences and financial planning.

Compulsory saving generally implies a mandated requirement to save a portion of income, which is enforced by policy or regulation. On the other hand, consumer saving indicates a conscious decision made by individuals to set aside some of their disposable income for future use. Hence, those options do not accurately reflect the scenario where savings accrue solely due to unavailability of goods.