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Do you think people invest without receiving appreciation or dividends? What do they do with that? Do they give it all away, or do they buy expensive unnecessary things for pure vanity, wasting the resources required to train its manufacturers, then manufacture it, then ship it, then store it, etc.
It is not possible to both hoard money and also give it to somebody else in exchange for goods and services.
I'm sorry for picking on this, but this particular thing is a pet peeve of mine. The idea that it is even possible to "hoard" money in any meaningful way is a fundamental misunderstanding of money. The only way I could think of accomplishing this would be to literally hold us paper currency in a vault. Nobody does that.
Okay, we can see if that way, but then they are doing something infinitely worse — abusing and destroying resources, value, and potential, which are what underlies the importance of money.
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