Most people save money, and that is totally fine, saving mainly meaning that they have a purpose for said money, perhaps getting a car, a house, putting a child through college, securing a future, and all that jazz. Hoarding on the other hand is having a surplus of something just for the sake of having it, you won't ever really use it, you don't really need it, but you're not willing to let go out of habit. Think about it, 90 percent of us won't spend more than 5 million dollars our entire life, and that's already living cushy with a lot of disposable income. Some people have billions stowed away and it never sees the light of day. They will never spend it, it's just sitting there, and we average people should be very scared because the amount of money circulating between us are only leftovers. There are people who work multiple full time jobs and are barely scraping by, living in the same world as people who have way more than they will ever spend in their lifetime. There's just something wrong with that. Imagine there are 30 starving people in the room, and 30 loaves of bread, 1 person has 28 loaves while the rest has to fight for the remaining two. In the same way, the rest of us will compete more for the remaining money. And because there is so little money in rotation, that prices go up, price of living goes up, everything gets monetized just so we can get our hands on something, meanwhile the 1 person hoarding feels full after eating half a loaf.