One person's hoard is another person's endowment. To-mah-to, to-may-to. https://en.wikipedia.org/wiki/Financial_endowment https://en.wikipedia.org/wiki/Financi

One person's hoard is another person's endowment. To-mah-to, to-may-to. https://en.wikipedia.org/wiki/Financial_endowment https://en.wikipedia.org/wiki/Financial_endowment