I talk about hoarding and there's nothing wrong with that. If you want a new house or a new car, I think saving money until you have enough is a much nobler way

I talk about hoarding and there's nothing wrong with that. If you want a new house or a new car, I think saving money until you have enough is a much nobler way to do it. When you say that "money should work and do something useful in the economy" what you're actually saying is that they should work "now". Hoarder's money will work just the same when he decides to spend them. Thus, what you have to discuss here is not hoarding, but rather "spending now" vs "spending later". Why do you think the former is superior to the latter?