Yes, but money doesn't just "sit in a bank account." It's being used to lend other people money, start new businesses, help other businesses expand, etc. So, it

Yes, but money doesn't just "sit in a bank account." It's being used to lend other people money, start new businesses, help other businesses expand, etc. So, it's actually contributing to the economy and "being spent" in the capitalistic system, isn't it? It's just not "spent" by the people "holding it in their account", but by the bank or whatever institution is "holding" it.