To riff on the 'hoarding' aspect raised here, and why it's so problematic:

A healthy system of any kind needs constant circulation of its essential elements to stay healthy.

When winds don't blow and rivers don't flow, life of all kinds sickens and dies. When our blood and breath stop circulating, we die, unless they start up again really really soon.

When money in our economy is hoarded, and does not circulate, our economy becomes unhealthy.

There are no sustainable alternatives to healthy circulation for maintaining a healthy system.

No amount of pharmaceuticals or surgery will keep us alive without heart and lungs working to circulate blood and air.

No amount of financial trickery or government intervention or self-interested 'philanthropy' will keep our economy healthy without vigorous and diverse circulation of money.

Given that our culture glorifies and worships the accumulation and stagnation of money, our economic prognosis is not good.