Isn't the buyer's incentive to hoard balanced exactly by the seller's incentive to acquire? If the currency acquires value at a stable rate (a big if), it seems

Isn't the buyer's incentive to hoard balanced exactly by the seller's incentive to acquire? If the currency acquires value at a stable rate (a big if), it seems to me that buyers and sellers would meet in the middle. After all, people buy things all the time (cars, computers) that rapidly depreciate compared to leaving cash in a savings account.